Compared with Alabama
2 of 12
compared fees are above the median.
7 below, 3 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
61st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 12 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for First Bank of Alabama 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Bank of Alabama's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (61st 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 $386K in Q2 2026, 22% above the same quarter a year earlier ($316K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 12 compared published fees sit above the Alabama median; 7 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 Alabama medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Account Online →
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 14% from Q3 2025 to Q2 2026, to $386K. Its share of revenue, 2.7%, is above the 2.2% median for banks with $1B to $10B in assets.
$386K
First Bank of AlabamaMedian
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 Bank of Alabama · $1.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Bank of Alabama(this institution) | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliance Bank | Sulphur Springs, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Community Bank | Kenbridge, VA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central National Bank | Junction City, KS | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Bank | Benton, KY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| County National Bank | Hillsdale, MI | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fm Bank And Trust | Blytheville, AR | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grove Bank & Trust | Miami, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Piedmont Federal Savings Bank | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sabine State Bank and Trust Company | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Security Bank | Dallas, TX | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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
Its published price is $6, against a peer median of $8 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 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 First Bank of Alabama (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 | $386K | +$56K | +17.0% |
| Q1 2026 | $330K | −$302K | −47.8% |
| Q4 2025 | $632K | +$292K | +85.9% |
| Q3 2025 | $340K | +$24K | +7.6% |
| Q2 2025 | $316K | +$17K | +5.7% |
| Q1 2025 | $299K | +$1K | +0.3% |
| Q4 2024 | $298K | +$17K | +6.0% |
| Q3 2024 | $281K | +$11K | +4.1% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Bank of Alabama left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Bank of Alabama by share.
Amounts from First Bank of Alabama’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft charge, per item paid | $22Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient funds fee, per returned item | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Check Services | |||
| Cashier' s checks or official checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-depositor check cashing fee for on-us checks | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Charge-off collection fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback, per item | $6Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment or tax levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Overdraft Protection service: Account verification for third party | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| One-time duplicate E-statement | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy, per copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 11, 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 Bank of Alabama operates, and what regulators and customers have on file.
Branch footprint
18 offices in 1 state, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 14 | $1.1B |
| 3 | $94.5M | |
| 1 | $62.1M |
Anniston-Oxford, AL
4.4% of bank deposits, #9 of 11, up 2.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Regions Bank | 22.6% |
| NobleBank & Trust | 15.1% |
| Wells Fargo Bank, National Association | 14.2% |
| Farmers and Merchants Bank | 11.9% |
| Investar Bank, National Association | 11% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Anniston-Oxford, AL, First Bank of Alabama holds 4.4% of bank deposits, #9 of 11, with 3 offices.
45 offices of 20 institutions shown.
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 11 institutions shown. $2.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2020 to 2026
June 2026: 4.4% share, 3 offices, #9 of 11
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2020 to 2026.
Credit unions, reported separately
17 offices of 9 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 Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the 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.