First National Bank

Headquarters: Heavener, Oklahoma
Charter: Bank
Assets: $112.8M
Fed district: Kansas City
Regulator: Federal Reserve
Holding company: Sooner Sw Bankshares Inc.

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for First National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First National Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $160K in Q2 2026, 4.2% below the same quarter a year earlier ($167K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Edge Checking
First National Bank: $7.50
First National Bank: $7.50
U.S. median: no median
Non-Network ATM
First National Bank: $5
First National Bank: $5
U.S. median: no median
Stop Payment
First National Bank: $5
First National Bank: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 8.0% from Q3 2025 to Q2 2026, to $160K.

Service-charge income, Q2 2026

$160K

$174KQ3 2025

$178KQ4 2025

$166KQ1 2026

$160KQ2 2026

Against the median

First National BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First National Bank · $113M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$108M to $118M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank(this institution)	Heavener, OK	$113M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of Bozeman	Bozeman, MT	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of New Madrid	New Madrid, MO	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Covington County Bank	Collins, MS	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers and Mechanics Federal Savings Bank	Bloomfield, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Mutual Bank, FSB	Belpre, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Bigfork	Bigfork, MN	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank of Le Center	Le Center, MN	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Henderson Federal Savings Bank	Henderson, TX	$118M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Metz Banking Company	Nevada, MO	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mid-Central National Bank	Wadena, MN	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Monroe Savings Bank	Williamstown, NJ	$114M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank of Greensboro	Greensboro, AL	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portage Bank	Bellevue, WA	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Richland County Bank	Richland Center, WI	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rushford State Bank (Incorporated)	Rushford, MN	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Magnolia Company	Magnolia, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Commercial Bank Of Ozark	Ozark, AL	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
The Farmers State Bank of Brush	Brush, CO	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First State Bank of Healy	Healy, KS	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Lytle State Bank of Lytle, Texas	Lytle, TX	$115M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Bank	Sardis, TN	$113M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Bank	Willacoochee, GA	$109M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Savings and Loan Company	West Liberty, OH	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Warsaw Federal Savings and Loan Association	Cincinnati, OH	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
White State Bank	South English, IA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (7.1%) above the median of similar-sized banks.

Its published price is $7.50, against a peer median of $7 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First National Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $160K
vs prior quarter: −$6K−3.6%; from Q1 2026
vs a year earlier: −$7K−4.2%; from Q2 2025
vs start of range: −$15K−8.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First National Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$160K	−$6K	−3.6%
Q1 2026	$166K	−$12K	−6.7%
Q4 2025	$178K	+$4K	+2.3%
Q3 2025	$174K	+$7K	+4.2%
Q2 2025	$167K	−$10K	−5.6%
Q1 2025	$177K	+$9K	+5.4%
Q4 2024	$168K	−$7K	−4.0%
Q3 2024	$175K	+$6K	+3.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First National Bank’s own schedules, with a source for each figure.

Account Maintenance

Edge Checking Monthly service charge$7.50
per month
Dormant Fee - Checking Dormant Fee - Savings Early Account Closure Fee$5
Not compared: Monthly charge, not per item
per month
Dormant Account$10
per month
Dormant Account$5
per month

Overdraft & NSF

Collection Fee - Incoming Collection Fee - Outgoing Daily Overdraft Fee (Beginning 1st business day of overdraft)$25
per day

ATM & Card

Fax Fee Foreign ATM Transaction Instant Card Issue Fee$5

Check Services

Central Card Issue Fee Cashier's Check Fee$5
Money Order Night Deposit Zipper Bag Night Deposit Lock Bag$3
Charge-Back Fee Check Printing Fee$5
Special Statement Cut-Off Fee Statement Printout Fee Stop Payment Fee Sweep Transaction Charge$5
per transaction
Telephone Transfer Temporary Check Fee$5
Notary Fee Overdraft Fee (per presentment) Photo Copy Fee Return NSF Item Fee (per presentment)$5
per item

Cash & Deposit

Charge-Back Fee Check Printing Fee$5

Account Services

Legal Processing - Garnishment Legal Processing - Levy$50

Fee	Amount	Basis	Note
Account Maintenance
Edge Checking Monthly service charge	$7.50	per month	None
Dormant Fee - Checking Dormant Fee - Savings Early Account Closure Fee	$5Not compared: Monthly charge, not per item	per month	None
Dormant Account	$10	per month	None
Dormant Account	$5	per month	None
Overdraft & NSF
Collection Fee - Incoming Collection Fee - Outgoing Daily Overdraft Fee (Beginning 1st business day of overdraft)	$25	per day	None
ATM & Card
Fax Fee Foreign ATM Transaction Instant Card Issue Fee	$5	Not stated	None
Check Services
Central Card Issue Fee Cashier's Check Fee	$5	Not stated	None
Money Order Night Deposit Zipper Bag Night Deposit Lock Bag	$3	Not stated	None
Charge-Back Fee Check Printing Fee	$5	Not stated	None
Special Statement Cut-Off Fee Statement Printout Fee Stop Payment Fee Sweep Transaction Charge	$5	per transaction	None
Telephone Transfer Temporary Check Fee	$5	Not stated	None
Notary Fee Overdraft Fee (per presentment) Photo Copy Fee Return NSF Item Fee (per presentment)	$5	per item	None
Cash & Deposit
Charge-Back Fee Check Printing Fee	$5	Not stated	None
Account Services
Legal Processing - Garnishment Legal Processing - Levy	$50	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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