Franklin Savings Bank

Headquarters: Franklin, New Hampshire
Charter: Bank
Assets: $931.4M
Fed district: Boston

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for Franklin 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.	Franklin Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Franklin 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 $170K in Q2 2026, 21% below the same quarter a year earlier ($216K).
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
Compared at $7, the middle of its prices
Franklin Savings Bank: $1 to $15
Franklin Savings Bank: $1 to $15
U.S. median: no median
Overdraft (OD)
Franklin Savings Bank: $35
Franklin Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Franklin Savings Bank: $15
Franklin Savings Bank: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Hampshire, 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).
New Hampshire: Banks and credit unions headquartered in New Hampshire 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 27% from Q3 2025 to Q2 2026, to $170K.

Service-charge income, Q2 2026

$170K

$234KQ3 2025

$214KQ4 2025

$228KQ1 2026

$170KQ2 2026

Against the median

Franklin 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

Franklin Savings Bank · $931M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$913M to $954M in assets
Headquartered in 16 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
Franklin Savings Bank(this institution)	Franklin, NH	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Bank & Trust Company, Inc.	Bowling Green, KY	$924M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Botetourt	Buchanan, VA	$939M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DR Bank	Darien, CT	$913M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FinWise Bank	Murray, UT	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank & Trust Co.	Duncan, OK	$952M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lewisburg, TN	$935M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Bank of Tennessee	Shelbyville, TN	$944M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Northern Bank and Trust Company	Palmerton, PA	$921M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Waynesboro, MS	$952M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Banking Company	Greenfield, IN	$930M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Legends Bank	Clarksville, TN	$928M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lindell Bank & Trust Company	St. Louis, MO	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid-Missouri Bank	Springfield, MO	$947M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Oxford Bank	Oxford, MI	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Passumpsic Savings Bank	Saint Johnsbury, VT	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
SpiritBank	Tulsa, OK	$913M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
StonehamBank, A Co-operative Bank	Stoneham, MA	$918M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Heritage National Bank	Daingerfield, TX	$936M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Berlin, WI	$949M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Portland, TN	$943M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Granbury	Granbury, TX	$946M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The First National Bank of Middle Tennessee	Mcminnville, TN	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Juniata Valley Bank	Mifflintown, PA	$918M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Killbuck Savings Bank Company	Killbuck, OH	$954M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Winchester Co-operative Bank	Winchester, MA	$947M	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

Monthly maintenance is $1.50 (18%) below the median of similar-sized banks.

Compared at $7, the middle of its seven prices, against a peer median of $8.50 among 12 publishing peers.

Its seven checking prices are $1, $2, $2.25, $7, $10, $15 and $15.

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 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

Franklin Savings Bank: 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 22, 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 Franklin 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: $170K
vs prior quarter: −$58K−25.4%; from Q1 2026
vs a year earlier: −$46K−21.3%; from Q2 2025
vs start of range: −$50K−22.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Franklin 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	$170K	−$58K	−25.4%
Q1 2026	$228K	+$14K	+6.5%
Q4 2025	$214K	−$20K	−8.5%
Q3 2025	$234K	+$18K	+8.3%
Q2 2025	$216K	+$6K	+2.9%
Q1 2025	$210K	−$19K	−8.3%
Q4 2024	$229K	+$9K	+4.1%
Q3 2024	$220K	−$4K	−1.8%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

¹A service charge$15
¹A service charge$2.25
per month
Linked Account Transfers Monthly fee$2
per month
Monthly Service Charge$15
per month
Monthly Service Charge$7
per month
Monthly Service Charge$10
per month
Monthly Service Charge$1
per month
Account Escheatment Service Charge (After 5 years of no account activity)$75
Dormant Account Fee$10
per month
Account Reconciliation Fee (1st hour free)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee (1st ½ hour free)$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee (Charged after first returned statement)$5
per month

Overdraft & NSF

Overdraft (NSF) Fees and Returned Item (NSF) Fees$35
per item
Returned Item Fee for Health Savings Account$15
per item

ATM & Card

Foreign ATM Fee$2
per item

Wire Transfers

Wire Transfer Fee: Domestic Incoming$17

Check Services

Bank Checks (Customers Only) (First check per day free)$5
per item
Money Orders (Customers Only) (First money order free per day)$3
per item
Lost Checkbook Fee$25
Stop Payment Fee$32
per item
Temporary Check Fee$0.50
per item
Foreign Check Collection Fee$25
Check Copies$3
per item
Check Image Statement Fee$2
Not compared: Monthly charge, not per item
per month

Digital & Electronic

No bill payments scheduled in 90 days$5
per month

Cash & Deposit

Coin Counting (Non Customers)6%
Returned Deposit Item Fee$15
per item

Account Services

Notary Services (Non-Customers)$10
Box Drilling$270
Not compared: Box drilling or key fee
Key Replacement$70
Not compared: Box drilling or key fee
Safe Deposit Box 3X5$42.50
per year
Safe Deposit Box Late Fee (after 30 days late)$10
Not compared: Box drilling or key fee
Levies/Writs/Attachments$125
per item

Lending Fees

Late charge after 30 days$10
Late fee1.5%

Retirement & IRA

IRA Transfer Fee (If account was opened or renewed after 08/01/2013)$25

Gift & Prepaid Cards

Gift Cards$2.50
per item

Other Fees

Facsimile (Fax) (Incoming)$3
Facsimile (Fax) (Outgoing)$2
Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
¹A service charge	$15	Not stated	None
¹A service charge	$2.25	per month	None
Linked Account Transfers Monthly fee	$2	per month	None
Monthly Service Charge	$15	per month	None
Monthly Service Charge	$7	per month	None
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$1	per month	None
Account Escheatment Service Charge (After 5 years of no account activity)	$75	Not stated	None
Dormant Account Fee	$10	per month	None
Account Reconciliation Fee (1st hour free)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee (1st ½ hour free)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee (Charged after first returned statement)	$5	per month	None
Overdraft & NSF
Overdraft (NSF) Fees and Returned Item (NSF) Fees	$35	per item	None
Returned Item Fee for Health Savings Account	$15	per item	None
ATM & Card
Foreign ATM Fee	$2	per item	None
Wire Transfers
Wire Transfer Fee: Domestic Incoming	$17	Not stated	None
Check Services
Bank Checks (Customers Only) (First check per day free)	$5	per item	None
Money Orders (Customers Only) (First money order free per day)	$3	per item	None
Lost Checkbook Fee	$25	Not stated	None
Stop Payment Fee	$32	per item	None
Temporary Check Fee	$0.50	per item	None
Foreign Check Collection Fee	$25	Not stated	None
Check Copies	$3	per item	None
Check Image Statement Fee	$2Not compared: Monthly charge, not per item	per month	None
Digital & Electronic
No bill payments scheduled in 90 days	$5	per month	None
Cash & Deposit
Coin Counting (Non Customers)	6%	Not stated	None
Returned Deposit Item Fee	$15	per item	None
Account Services
Notary Services (Non-Customers)	$10	Not stated	None
Box Drilling	$270Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$70Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3X5	$42.50	per year	None
Safe Deposit Box Late Fee (after 30 days late)	$10Not compared: Box drilling or key fee	Not stated	None
Levies/Writs/Attachments	$125	per item	None
Lending Fees
Late charge after 30 days	$10	Not stated	None
Late fee	1.5%	Not stated	None
Retirement & IRA
IRA Transfer Fee (If account was opened or renewed after 08/01/2013)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards	$2.50	per item	None
Other Fees
Facsimile (Fax) (Incoming)	$3	Not stated	None
Facsimile (Fax) (Outgoing)	$2	Not stated	None
Photocopies	$0.25	per item	None

Correct a fee source

Oct 8, 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 Franklin Savings Bank operates, and what regulators and customers have on file.

Market position

In Manchester-Nashua, NH, Franklin Savings Bank holds 0.4% of bank deposits, #17 of 24, with 2 offices.

Compare fees with the 24 Manchester-Nashua, NH banks and credit unions in its home-metro peer set →

Offices in the metro

129 offices of 35 institutions shown.

Franklin Savings 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: Manchester-Nashua, NH metro (FDIC metro code 31700), 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: 4 offices have no coordinates on file

Share of bank deposits

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

1Citizens Bank, National Association29.6%
2TD Bank, National Association23.6%
3Bank of America, National Association19.8%
4Primary Bank3.9%
5Manufacturers and Traders Trust Company3.8%
6Santander Bank, N.A.3.1%
7Rockland Trust Company2.8%
8Eastern Bank1.9%
17Franklin Savings Bank0.4%

9 of 24 institutions shown. $15.4B 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: Manchester-Nashua, NH metro (FDIC metro code 31700)
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, 2018 to 2026

June 2026: 0.4% share, 2 offices, #17 of 24

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2018 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2018 to 2026
Area: Manchester-Nashua, NH 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

42 offices of 11 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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