Fees from its schedule are under review and appear here once review is done.
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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
92nd percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 20, 2026
Call-report figures are for First Citizens 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 | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 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 887 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | 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 Citizens National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 6.0% of revenue, above the 2.2% median of 887 banks with $1B to $10B in assets (92nd 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 $1.4M in Q4 2025, 4.5% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Citizens National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 64 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $1.4M | +$7K | +0.5% |
| Q3 2025 | $1.4M | +$123K | +10.0% |
| Q2 2025 | $1.2M | +$8K | +0.7% |
| Q1 2025 | $1.2M | −$80K | −6.1% |
| Q4 2024 | $1.3M | +$40K | +3.2% |
| Q3 2024 | $1.3M | +$80K | +6.8% |
| Q2 2024 | $1.2M | +$31K | +2.7% |
| Q1 2024 | $1.1M | −$46K | −3.8% |
Financial cohort: 912 banks with $1B to $10B in assets filing for Q4 2025; 887 reported a share above 0% and are counted, First Citizens 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 Citizens National Bank by share.
They stay out of every comparison until review is done.
varies · Per hour, 1 hour minimum
per month · Applies when account balance is less than $1,000 and account has had no activity for 365 days (checking) or 1,100 days (savings) and no other active personal accounts. Does not apply to Health Savings Accounts.
one time · Penalty equals 90 days of interest on amount withdrawn before maturity
per item
per item
per item
per month · Applies if customer does not meet one of three criteria: (1) maintain $500+ average monthly balance, (2) direct deposit $100+ and enroll in e-statements, or (3) perform 15+ POS debit card transactions
per item
per item
per item
per item · Per statement, with or without images
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Account Balancing and Reconciliation (audience not stated, treated as personal) | $25 | varies | Per hour, 1 hour minimum |
| Dormant Account Monthly Fee (audience not stated, treated as personal) | $5 | per month | Applies when account balance is less than $1,000 and account has had no activity for 365 days (checking) or 1,100 days (savings) and no other active personal accounts. Does not apply to Health Savings Accounts. |
| Early Withdrawal Penalty (6-Month CD) (audience not stated, treated as personal) | Not stated | one time | Penalty equals 90 days of interest on amount withdrawn before maturity |
| Incoming Domestic Wire Transfer Fee (audience not stated, treated as personal) | $12 | per item | None |
| Incoming International Wire Transfer Fee (audience not stated, treated as personal) | $15 | per item | None |
| Levies, Garnishments and Executions Processing Fee (audience not stated, treated as personal) | $150 | per item | None |
| Monthly Service Charge (audience not stated, treated as personal) | $12 | per month | Applies if customer does not meet one of three criteria: (1) maintain $500+ average monthly balance, (2) direct deposit $100+ and enroll in e-statements, or (3) perform 15+ POS debit card transactions |
| Outgoing Domestic Wire Transfer Fee (audience not stated, treated as personal) | $20 | per item | None |
| Outgoing International Wire Transfer Fee (audience not stated, treated as personal) | $50 | per item | None |
| Photocopies (audience not stated, treated as personal) | $0.25 | per item | None |
| Research Fee (Per Statement) (audience not stated, treated as personal) | $5 | per item | Per statement, with or without images |
| Stop Payment Charge (audience not stated, treated as personal) | $35 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 20, 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 Citizens National Bank operates, and what regulators and customers have on file.
Branch footprint
25 offices in 1 state, $2.2B in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 8 | $990.3M |
| 7 | $601.5M | |
| 4 | $365.4M | |
| 3 | $152.8M | |
| 2 | $39.2M | |
| 1 | $35.2M |
Memphis, TN-MS-AR
1.4% of bank deposits, #15 of 47, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First Horizon Bank | 33.3% |
| Regions Bank | 10.6% |
| Pinnacle Bank | 5.9% |
| Cadence Bank | 5.4% |
| Bank of America, National Association | 4.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Memphis, TN-MS-AR, First Citizens National Bank holds 1.4% of bank deposits, #15 of 47, with 7 offices.
444 offices of 89 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 47 institutions shown. $42.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2010 to 2025
June 2025: 1.4% share, 7 offices, #15 of 47
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2025.
Credit unions, reported separately
108 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows