Compared with Oklahoma
2 of 10
compared fees are above the median.
4 below, 4 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
17th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 10 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for The First Farmers National Bank of Waurika 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. | The First Farmers National Bank of Waurika's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (17th 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 $4K in Q2 2026, 20% below the same quarter a year earlier ($5K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 10 compared published fees sit above the Oklahoma median; 4 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.
Overdraft (OD)
Monthly Maintenance
Compared at $8.25, the middle of its prices
Non-Network ATM
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 20% from Q3 2025 to Q2 2026, to $4K. Its share of revenue, 0.9%, is below the 2.1% median for banks with under $300M in assets.
$4K
The First Farmers National Bank of WaurikaMedian
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. *Monthly maintenance: Listed at $8 to $8.50; we compare the midpoint.
The First Farmers National Bank of Waurika · $56M 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 |
|---|---|---|---|---|---|---|---|
| The First Farmers National Bank of Waurika(this institution) | Waurika, OK | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Brewton | Brewton, AL | $50M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BANK360 | Cordell, OK | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Benton County State Bank | Blairstown, IA | $51M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Blue Grass Federal Savings and Loan Association | Paris, KY | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community First Bank, National Association | Forest, OH | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community National Bank in Monmouth | Monmouth, IL | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of Mound City, Kansas | Mound City, KS | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank, Allen, Oklahoma | Allen, OK | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Financial Bank in Winnebago | Winnebago, MN | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fortuna Bank | Grandview Heights, OH | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lamont Bank of St. John | Saint John, WA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| North County Savings Bank | Red Bud, IL | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richton Bank & Trust Company | Richton, MS | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Second Federal Savings and Loan Association of Philadelphia | Philadelphia, PA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sidney Federal Savings and Loan Association | Sidney, NE | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank of Lake Park | Lake Park, MN | $47M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank of Scotia | Scotia, NE | $61M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State National Bank | Groom, TX | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Talbot State Bank | Woodland, GA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Blue Grass Valley Bank | Blue Grass, VA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The City State Bank | Fort Scott, KS | $58M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Mer Rouge State Bank | Mer Rouge, LA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Bank | Gambier, OH | $60M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The State Exchange Bank | Mankato, KS | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Minnesota Bank | New London, MN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | 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
Compared at $8.25, the middle of its two prices, against a peer median of $5 among 13 publishing peers.
Its two checking prices are $8 and $8.50.
$8.25 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for The First Farmers National Bank of Waurika (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 | $4K | $0 | 0.0% |
| Q1 2026 | $4K | −$1K | −20.0% |
| Q4 2025 | $5K | $0 | 0.0% |
| Q3 2025 | $5K | $0 | 0.0% |
| Q2 2025 | $5K | $0 | 0.0% |
| Q1 2025 | $5K | $0 | 0.0% |
| Q4 2024 | $5K | +$1K | +25.0% |
| Q3 2024 | $4K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The First Farmers National Bank of Waurika left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First Farmers National Bank of Waurika by share.
Amounts from The First Farmers National Bank of Waurika’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $8.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Penalty for falling below the minimum balance (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee# | $15Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Overdrafts Paid (per item) | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM use (non bank owned) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card or PIN | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments for over $100.00 | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Account Services | |||
| Tax Levy and Garnishment | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Fax Service | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee# | $15Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Overdrafts Paid (per item) | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Daily Fee OD Commercial account | $2 | per day | None |
ATM & Card | |||
| Foreign ATM use (non bank owned) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card or PIN | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments for over $100.00 | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Account Services | |||
| Tax Levy and Garnishment | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Fax Service | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 15, 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 The First Farmers National Bank of Waurika operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $47.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $47.1M |
Largest competitors nearby
Local market: Jefferson county, OK, where it holds the most deposits.
| 4 in its local market | Deposit share |
|---|---|
| First National Bank and Trust Company of Ardmore | 37.5% |
| First Bank & Trust Co. | 17.1% |
| First Summit Bank | 11.5% |
| Peoples Bank and Trust Company | 9.5% |
This bank holds 24.4% 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 OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 4, 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.