First National Bank and Trust Company of Newtown

Headquarters: Newtown, Pennsylvania
Charter: Bank
Assets: $1.2B
Fed district: Philadelphia
Regulator: OCC
Holding company: Fnb Bancorp Inc.

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

Source: its fee schedule, read Oct 18, 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 Oct 18, 2026

How these figures are measured

Call-report figures are for First National Bank and Trust Company of Newtown 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 and Trust Company of Newtown's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank and Trust Company of Newtown (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 $98K in Q2 2026, 1.0% above the same quarter a year earlier ($97K).
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 and Trust Company of Newtown: $35
First National Bank and Trust Company of Newtown: $35
U.S. median: no median
Stop Payment
Leaves out 1 fee charged on a different basis filed under this fee.
First National Bank and Trust Company of Newtown: $35
First National Bank and Trust Company of Newtown: $35
U.S. median: no median
Wire Transfer (Int'l Out)
First National Bank and Trust Company of Newtown: $40
First National Bank and Trust Company of Newtown: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 6.7% from Q3 2025 to Q2 2026, to $98K.

Service-charge income, Q2 2026

$98K

$105KQ3 2025

$106KQ4 2025

$106KQ1 2026

$98KQ2 2026

Against the median

First National Bank and Trust Company of NewtownMedian

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 and Trust Company of Newtown · $1.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.1B to $1.2B in assets
Headquartered in 19 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 and Trust Company of Newtown(this institution)	Newtown, PA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank Forward	Fargo, ND	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Commerce	Greenwood, MS	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Pontiac	Pontiac, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Washington	Washington, MO	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank	Mukwonago, WI	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank & Trust	Guntersville, AL	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank of Las Cruces	Las Cruces, NM	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community National Bank	Derby, VT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dime Bank	Norwich, CT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evolve Bank & Trust	West Memphis, AR	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Arkansas Bank and Trust	Jacksonville, AR	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Bank of Louisiana	Lake Charles, LA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First General Bank	Rowland Heights, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank	Altavista, VA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First US Bank	Birmingham, AL	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Helm Bank USA	Miami, FL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Katahdin Trust Company	Patten, ME	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid America Bank	Jefferson City, MO	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montgomery Bank	Sikeston, MO	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pointbank	Pilot Point, TX	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Reading Co-operative Bank	Reading, MA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Solvay Bank	Solvay, NY	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Somerset Regal Bank	Bound Brook, NJ	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sturdy Savings Bank	Stone Harbor, NJ	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Trustar Bank	Great Falls, VA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First National Bank and Trust Company of Newtown does not publish a monthly maintenance fee in the index.

The peer median is $7.73 among 16 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 and Trust Company of Newtown does not publish a monthly maintenance fee, so it is not on this chart.

First National Bank and T…Peer (equal prices stack)Peer median

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 and Trust Company of Newtown (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: $98K
vs prior quarter: −$8K−7.5%; from Q1 2026
vs a year earlier: +$1K+1.0%; from Q2 2025
vs start of range: −$15K−13.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank and Trust Company of Newtown (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	$98K	−$8K	−7.5%
Q1 2026	$106K	$0	0.0%
Q4 2025	$106K	+$1K	+1.0%
Q3 2025	$105K	+$8K	+8.2%
Q2 2025	$97K	−$9K	−8.5%
Q1 2025	$106K	−$4K	−3.6%
Q4 2024	$110K	−$3K	−2.7%
Q3 2024	$113K	+$11K	+10.8%

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 and Trust Company of Newtown’s own schedules, with a source for each figure.

Account Maintenance

Dormant checking-inactive for six months$5
per month
Dormant savings/interest bearing checking-inactive for two years$5
per month
Account reconcilement$35
Not compared: Charged per hour; comparison unavailable
per hour · Account reconcilement: | $35 per hour

Overdraft & NSF

Insufficient & overdraft items- checking and savings$35

ATM & Card

Excludes ATM withdrawals and single POS transactions$10
Not compared: Daily charge, not per item
per day
ATM/VISA® Debit Card/VISA® Rewards Debit Card/ VISA® Business Debit Card replacement card fee$10

Wire Transfers

Outgoing foreign wire transfer$40
Incoming wire transfer: (Domestic or Foreign)$10

Check Services

Cashier’s checks$10
Stop payment$35
Stop payment open dollar$35
Not compared: Monthly charge, not per item
per month
Temporary checks$5
Temporary Checks Fee$5
per item · if more than once per calendar year
Bank draft, collection item, auction letter$15
Bank NSF check collection item: (Collection dept.)$35

Account Services

Child support levy$75
Levy and lien processing$175
Subpoena/research: (Minimum 1 hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Dormant checking-inactive for six months	$5	per month	None
Dormant savings/interest bearing checking-inactive for two years	$5	per month	None
Account reconcilement	$35Not compared: Charged per hour; comparison unavailable	per hour	Account reconcilement: \| $35 per hour
Overdraft & NSF
Insufficient & overdraft items- checking and savings	$35	Not stated	None
ATM & Card
Excludes ATM withdrawals and single POS transactions	$10Not compared: Daily charge, not per item	per day	None
ATM/VISA® Debit Card/VISA® Rewards Debit Card/ VISA® Business Debit Card replacement card fee	$10	Not stated	None
Wire Transfers
Outgoing foreign wire transfer	$40	Not stated	None
Incoming wire transfer: (Domestic or Foreign)	$10	Not stated	None
Check Services
Cashier’s checks	$10	Not stated	None
Stop payment	$35	Not stated	None
Stop payment open dollar	$35Not compared: Monthly charge, not per item	per month	None
Temporary checks	$5	Not stated	None
Temporary Checks Fee	$5	per item	if more than once per calendar year
Bank draft, collection item, auction letter	$15	Not stated	None
Bank NSF check collection item: (Collection dept.)	$35	Not stated	None
Account Services
Child support levy	$75	Not stated	None
Levy and lien processing	$175	Not stated	None
Subpoena/research: (Minimum 1 hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None

Correct a fee source

Oct 18, 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 and Trust Company of Newtown operates, and what regulators and customers have on file.

Market position

In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, First National Bank and Trust Company of Newtown holds 0.1% of bank deposits, #25 of 88, with 14 offices.

Compare fees with the 100 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD banks and credit unions in its home-metro peer set →

Offices in the metro

899 offices of 28 institutions shown.

First National Bank and Trust Company of NewtownOther banksCredit unions

Showing 899 of 1,635 offices: the largest institutions' offices, with banks and credit unions in proportion.

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: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980), 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
Not drawn: 36 offices have no coordinates on file

Share of bank deposits

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

1Capital One, National Association45.7%
2TD Bank, National Association13.4%
3Barclays Bank Delaware5.2%
4Wells Fargo Bank, National Association5.1%
5PNC Bank, National Association4.5%
6TD Bank USA, National Association4.0%
7Bank of America, National Association3.7%
8Citizens Bank, National Association3.4%
25First National Bank and Trust Company of Newtown0.1%

9 of 88 institutions shown. $685.1B 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: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980)
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: 0.1% share, 14 offices, #25 of 88

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: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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

309 offices of 89 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.

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