Compared with Pennsylvania
6 of 10
compared fees are above the median.
2 below, 2 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
15th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 10 compared; 2 below, 2 about the same
See the feesFee schedule read Oct 18, 2026
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) One quarter, as reported. Median and percentile from each of 869 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) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania 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
Service charges were 0.8% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (15th 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 $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.
6 of 10 compared published fees sit above the Pennsylvania 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
Stop Payment
Leaves out 1 fee charged on a different basis filed under this fee.
Wire Transfer (Int'l Out)
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.
Service-charge income fell 6.7% from Q3 2025 to Q2 2026, to $98K. Its share of revenue, 0.8%, is below the 2.2% median for banks with $1B to $10B in assets.
$98K
First National Bank and Trust Company of NewtownMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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 and Trust Company of Newtown (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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First National Bank and Trust Company of Newtown 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 and Trust Company of Newtown by share.
Amounts from First National Bank and Trust Company of Newtown’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account reconcilement: | $35 per hour
per month
per item · if more than once per calendar year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant checking-inactive for six months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant savings/interest bearing checking-inactive for two years | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $35Above the U.S. middle 50% ($25 to $33 nationally) | 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 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing foreign wire transfer | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming wire transfer: (Domestic or Foreign) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment open dollar | $35Not compared: Monthly charge, not per item | per month | None |
| Temporary checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks Fee | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | if more than once per calendar year |
| Bank draft, collection item, auction letter | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Bank NSF check collection item: (Collection dept.) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Child support levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy and lien processing | $175Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subpoena/research: (Minimum 1 hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
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.
Where First National Bank and Trust Company of Newtown operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $1.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 14 | $1.0B |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
0.1% of bank deposits, #25 of 88, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 45.7% |
| TD Bank, National Association | 13.4% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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.
899 offices of 28 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 88 institutions shown. $685.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
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
We check once a day and send one email covering every change.