First National Bank

Headquarters: Paragould, Arkansas
Charter: Bank
Assets: $2.6B
Fed district: St. Louis
Regulator: OCC
Holding company: First Paragould Bankshares Inc.

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

Source: its fee schedule, read Nov 1, 2026.

Overview

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
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 Nov 1, 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	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) 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	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk 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: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.3M in Q2 2026, 2.2% below 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.

Fees against the market

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

Overdraft (OD)
First National Bank: $29
First National Bank: $29
U.S. median: no median
NSF / Returned Item
First National Bank: $29
First National Bank: $29
U.S. median: no median
Non-Network ATM
First National Bank: $1
First National Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis 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).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 4.7% from Q3 2025 to Q2 2026, to $1.3M.

Service-charge income, Q2 2026

$1.3M

$1.3MQ3 2025

$1.3MQ4 2025

$1.2MQ1 2026

$1.3MQ2 2026

Against the median

First National BankMedian

Sources and open questions

FFIEC 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 · $2.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$2.4B to $2.7B in assets
Headquartered in 15 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)	Paragould, AR	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cogent Bank	Orlando, FL	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community National Bank & Trust	Chanute, KS	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Bank	York, NE	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cornerstone Bank	Spencer, MA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Dorado Savings Bank, F.S.B.	Placerville, CA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Extraco Banks, National Association	Temple, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FCB Banks	Collinsville, IL	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fidelity Bank & Trust	Dubuque, IA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First County Bank	Stamford, CT	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Home Federal Bank of Tennessee	Knoxville, TN	$2.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Bank, SSB	Austin, TX	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
INB, National Association	Springfield, IL	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
KS StateBank	Manhattan, KS	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Machias Savings Bank	Machias, ME	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meridian Bank	Wayne, PA	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
North Shore Bank	Brookfield, WI	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Community Bank	Oregon, WI	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Open Bank	Los Angeles, CA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
South Shore Bank	South Weymouth, MA	$2.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
State Bank of Southern Utah	Cedar City, UT	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
TexasBank	Brownwood, TX	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Traditional Bank, Inc.	Mount Sterling, KY	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Bank of Iowa	Ida Grove, IA	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wells Fargo Bank South Central, National Association	Houston, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Westfield Bank	Westfield, MA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First National Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 12 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

First National Bank does not publish a monthly maintenance fee, so it is not on this chart.

First National BankPeer (equal prices stack)Peer medianInclude $15 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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: $1.3M
vs prior quarter: +$77K+6.5%; from Q1 2026
vs a year earlier: −$28K−2.2%; from Q2 2025
vs start of range: −$261K−17.1%; from Q3 2024

Details

Source: FFIEC call report (bulk 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: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.3M	+$77K	+6.5%
Q1 2026	$1.2M	−$98K	−7.6%
Q4 2025	$1.3M	−$42K	−3.2%
Q3 2025	$1.3M	+$35K	+2.7%
Q2 2025	$1.3M	+$141K	+12.2%
Q1 2025	$1.2M	−$250K	−17.8%
Q4 2024	$1.4M	−$124K	−8.1%
Q3 2024	$1.5M	+$98K	+6.8%

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

Dormant Account Fee$2
per month
Paper Statement Fee$3
per month

Overdraft & NSF

Insufficient Funds Overdraft Item Fee (NSF Fee)$29
per item
Insufficient Funds Return Item Fee (NSF Fee)$29
per item
NSF Stop Payment Request$29
per item

ATM & Card

ATM transaction fee for a First National Bank cardholder at a non-First National Bank ATM$1
ATM/Debit card replacement fee$5
per item

Check Services

Cashiers Check$5
per item
Money order$3
per item
Check Cashing fee for non-First National Bank customers$5
per item
Tax Refund Check Cashing fee$40
Collection Items (Incoming/Outgoing)$10
per item

Cash & Deposit

Check Chargeback fee (for an item previously deposited)$1
per item

Account Services

Notary Public Service$5
per item
Tax Levy or Garnishment$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$2	per month	None
Paper Statement Fee	$3	per month	None
Overdraft & NSF
Insufficient Funds Overdraft Item Fee (NSF Fee)	$29	per item	None
Insufficient Funds Return Item Fee (NSF Fee)	$29	per item	None
NSF Stop Payment Request	$29	per item	None
ATM & Card
ATM transaction fee for a First National Bank cardholder at a non-First National Bank ATM	$1	Not stated	None
ATM/Debit card replacement fee	$5	per item	None
Check Services
Cashiers Check	$5	per item	None
Money order	$3	per item	None
Check Cashing fee for non-First National Bank customers	$5	per item	None
Tax Refund Check Cashing fee	$40	Not stated	None
Collection Items (Incoming/Outgoing)	$10	per item	None
Cash & Deposit
Check Chargeback fee (for an item previously deposited)	$1	per item	None
Account Services
Notary Public Service	$5	per item	None
Tax Levy or Garnishment	$25	per item	None

Correct a fee source

Nov 1, 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.

Branches and public record

Where First National Bank operates, and what regulators and customers have on file.

Market position

In Jonesboro, AR, First National Bank holds 8.2% of bank deposits, #4 of 25, with 3 offices.

Compare fees with the 45 Little Rock-North Little Rock-Conway, AR banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Little Rock-North Little Rock-Conway, AR.

Offices in the metro

66 offices of 28 institutions shown.

First National BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Jonesboro, AR metro (FDIC metro code 27860), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Centennial Bank17.6%
2First Community Bank9.9%
3Simmons Bank8.6%
4First National Bank8.2%
5First Horizon Bank7.3%
6First Security Bank4.4%
7Regions Bank4.3%
8Bank of America, National Association3.7%

8 of 25 institutions shown. $4.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Jonesboro, AR metro (FDIC metro code 27860)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 8.2% share, 3 offices, #4 of 25

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Jonesboro, AR metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

3 offices of 3 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.

Enforcement actions

None on file with the OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC and 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

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