Compared with Oklahoma
6 of 11
compared fees are above the median.
2 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
97th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 11 compared; 2 below, 3 about the same
See the feesFee schedule read Oct 14, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma 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
Service charges were 8.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (97th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
6 of 11 compared published fees sit above the Oklahoma median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Edge Checking
Stop Payment
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.
Service-charge income fell 8.0% from Q3 2025 to Q2 2026, to $160K. Its share of revenue, 8.5%, is above the 2.1% median for banks with under $300M in assets.
$160K
First National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First National Bank by share.
Amounts from First National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per day
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Edge Checking Monthly service charge | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Collection Fee - Incoming Collection Fee - Outgoing Daily Overdraft Fee (Beginning 1st business day of overdraft) | $25Above the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Fax Fee Foreign ATM Transaction Instant Card Issue Fee | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Check Services | |||
| Central Card Issue Fee Cashier's Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Night Deposit Zipper Bag Night Deposit Lock Bag | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Charge-Back Fee Check Printing Fee | $5Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Special Statement Cut-Off Fee Statement Printout Fee Stop Payment Fee Sweep Transaction Charge | $5Below the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Telephone Transfer Temporary Check Fee | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Notary Fee Overdraft Fee (per presentment) Photo Copy Fee Return NSF Item Fee (per presentment) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Charge-Back Fee Check Printing Fee | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Processing - Garnishment Legal Processing - Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
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.
Where First National Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $91.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $91.7M |
Largest competitors nearby
Local market: Le Flore county, OK, where it holds the most deposits.
| 5 in its local market | Deposit share |
|---|---|
| The First National Bank of Fort Smith | 33.3% |
| The Community State Bank | 33.1% |
| Arvest Bank | 15.8% |
| Spiro State Bank | 5.6% |
| First National Bank & Trust Company of McAlester | 1.7% |
This bank holds 10.5% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.