The Torrington Savings Bank

Headquarters: Torrington, Connecticut
Charter: Bank
Assets: $1.0B
Fed district: Boston
Regulator: FDIC

20 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 The Torrington Savings 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.	The Torrington Savings 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: The Torrington Savings 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 $96K in Q2 2026, 10% above the same quarter a year earlier ($87K).
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.

Monthly Maintenance
Checking Bonus
The Torrington Savings Bank: $5 to $10
The Torrington Savings Bank: $5 to $10
U.S. median: no median
NSF / Returned Item
The Torrington Savings Bank: $35
The Torrington Savings Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
The Torrington Savings Bank: $25
The Torrington Savings Bank: $25
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 Connecticut, the Boston 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).
Connecticut: Banks and credit unions headquartered in Connecticut that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 1.0% from Q3 2025 to Q2 2026, to $96K.

Service-charge income, Q2 2026

$96K

$97KQ3 2025

$95KQ4 2025

$95KQ1 2026

$96KQ2 2026

Against the median

The Torrington Savings 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

The Torrington Savings Bank · $1B 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.

Banks only
$976M to $1B in assets
Headquartered in 18 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
The Torrington Savings Bank(this institution)	Torrington, CT	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brannen Bank	Inverness, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Calvin B. Taylor Banking Company of Berlin, Maryland	Berlin, MD	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Clear Mountain Bank	Bruceton Mills, WV	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dundee Bank	Omaha, NE	$976M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Central Savings Bank	Glen Cove, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Federal Bank of Kansas City	Lees Summit, MO	$993M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Community Bank, National Association	Dover, OH	$995M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Greene Co	Waynesburg, PA	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Metro Bank	Muscle Shoals, AL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Security Bank	Batesville, MS	$977M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Service Bank	Greenbrier, AR	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Grand Savings Bank	Grove, OK	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Haven Savings Bank	Hoboken, NJ	$987M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HomeTown Bank, National Association	Galveston, TX	$990M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
International Bank of Chicago	Chicago, IL	$983M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	Jonestown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kirkpatrick Bank	Edmond, OK	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Bank	Detroit Lakes, MN	$985M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Olympia Federal Savings and Loan Association	Olympia, WA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Presidential Bank, FSB	Bethesda, MD	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
River Bank	Stoddard, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Old Monroe	Old Monroe, MO	$995M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Port Washington State Bank	Port Washington, WI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Vision Bank	Ada, OK	$1000M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Savings Bank	Montgomery, NY	$1B	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 · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $7.50 among 17 publishing peers.

Its three checking prices are $5, $5 and $10.

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

The Torrington Savings Ba…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

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 The Torrington Savings 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: $96K
vs prior quarter: +$1K+1.1%; from Q1 2026
vs a year earlier: +$9K+10.3%; from Q2 2025
vs start of range: +$15K+18.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Torrington Savings 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	$96K	+$1K	+1.1%
Q1 2026	$95K	$0	0.0%
Q4 2025	$95K	−$2K	−2.1%
Q3 2025	$97K	+$10K	+11.5%
Q2 2025	$87K	+$3K	+3.6%
Q1 2025	$84K	−$22K	−20.8%
Q4 2024	$106K	+$25K	+30.9%
Q3 2024	$81K	+$4K	+5.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Torrington Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Low monthly service fee$5
per month
Maintenance service charge fee$10
per month
Maintenance service charge fee (audience not stated, treated as personal)$5
per month
Early Account Closure$25
Dormancy$5
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
BankRight Checking account paper statement fee$2
Paper statement fee (audience not stated, treated as personal)$2
per month
Paper Statements$5
Returned Mail$5
per month

Overdraft & NSF

Insufficient Funds$35
per item
Overdraft Protection Transfer$5
per item

ATM & Card

Card Reissue$10
per item

Wire Transfers

Wire Transfer: Outgoing - Domestic$25
All Incoming Wires$15
Wire Transfer: Outgoing - Foreign$45

Check Services

Certified Check$25
per item
Official Check$5
per item
Stop Payment$30
per item
Temporary Checks$3
per item
Check Cashing (non customers)$5
Foreign Item Processing$25
per item
Bill Pay Check Copy$7.50
per item

Account Services

Notary Service (non-customers)$5
Not compared: Charged per document; comparison unavailable
per document
Late Charge$25
Not compared: Box drilling or key fee
Lost Key Charge$50
Not compared: Box drilling or key fee
Legal Process$125
Deposit Verification$10
per item

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Low monthly service fee	$5	per month	None
Maintenance service charge fee	$10	per month	None
Maintenance service charge fee (audience not stated, treated as personal)	$5	per month	None
Early Account Closure	$25	Not stated	None
Dormancy	$5	Not stated	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
BankRight Checking account paper statement fee	$2	Not stated	None
Paper statement fee (audience not stated, treated as personal)	$2	per month	None
Paper Statements	$5	Not stated	None
Returned Mail	$5	per month	None
Overdraft & NSF
Insufficient Funds	$35	per item	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
Card Reissue	$10	per item	None
Wire Transfers
Wire Transfer: Outgoing - Domestic	$25	Not stated	None
All Incoming Wires	$15	Not stated	None
Wire Transfer: Outgoing - Foreign	$45	Not stated	None
Check Services
Certified Check	$25	per item	None
Official Check	$5	per item	None
Stop Payment	$30	per item	None
Temporary Checks	$3	per item	None
Check Cashing (non customers)	$5	Not stated	None
Foreign Item Processing	$25	per item	None
Bill Pay Check Copy	$7.50	per item	None
Account Services
Notary Service (non-customers)	$5Not compared: Charged per document; comparison unavailable	per document	None
Late Charge	$25Not compared: Box drilling or key fee	Not stated	None
Lost Key Charge	$50Not compared: Box drilling or key fee	Not stated	None
Legal Process	$125	Not stated	None
Deposit Verification	$10	per item	None
Other Fees
Statement Copy	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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.

Fee change alerts

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