Compared with New Hampshire
8 of 20
compared fees are above the median.
5 below, 7 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
43rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Hampshire median
of 20 compared; 5 below, 7 about the same
See the feesFee schedule read Oct 8, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B 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 New Hampshire median | Published fees above the New Hampshire 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
Service charges were 1.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (43rd 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 $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.
8 of 20 compared published fees sit above the New Hampshire median; 5 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 New Hampshire medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $7, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 27% from Q3 2025 to Q2 2026, to $170K. Its share of revenue, 1.8%, is below the 2.1% median for banks with $300M to $1B in assets.
$170K
Franklin Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $1 to $15; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Franklin Savings Bank (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 | $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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Franklin Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Franklin Savings Bank by share.
Amounts from Franklin Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per hour
per hour
per month
per item
per item
per item
per item
per item
per item
per month
per month
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ¹A service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ¹A service charge | $2.25Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Linked Account Transfers Monthly fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Escheatment Service Charge (After 5 years of no account activity) | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (NSF) Fees and Returned Item (NSF) Fees | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee for Health Savings Account | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Fee: Domestic Incoming | $17Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Bank Checks (Customers Only) (First check per day free) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders (Customers Only) (First money order free per day) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Lost Checkbook Fee | $25Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Fee | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check Fee | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Collection Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Counting (Non Customers) | 6% | Not stated | None |
| Returned Deposit Item Fee | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services (Non-Customers) | $10Above the U.S. middle 50% ($0 to $5 nationally) | 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 | $42.50Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $125Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late charge after 30 days | $10Below the U.S. middle 50% ($15 to $25 nationally) | 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) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Facsimile (Fax) (Incoming) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Facsimile (Fax) (Outgoing) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Franklin Savings Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $776.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $710.5M |
| 2 | $65.5M |
Manchester-Nashua, NH
0.4% of bank deposits, #17 of 24, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citizens Bank, National Association | 29.6% |
| TD Bank, National Association | 23.6% |
| Bank of America, National Association | 19.8% |
| Primary Bank | 3.9% |
| Manufacturers and Traders Trust Company | 3.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Manchester-Nashua, NH, Franklin Savings Bank holds 0.4% of bank deposits, #17 of 24, with 2 offices.
129 offices of 35 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 24 institutions shown. $15.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
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.