Franklin Savings Bank

Headquarters: Farmington, Maine
Charter: Bank
Assets: $786.9M
Fed district: Boston
Regulator: Federal Reserve
Holding company: Fsb Bancorp Mhc

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

Source: its fee schedule, read Oct 2, 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 2, 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 2, 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 $94K in Q2 2026, 12% above the same quarter a year earlier ($84K).
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
Franklin Savings Bank: $5
Franklin Savings Bank: $5
U.S. median: no median
Overdraft (OD)
Franklin Savings Bank: $30
Franklin Savings Bank: $30
U.S. median: no median
NSF / Returned Item
Franklin Savings Bank: $30
Franklin Savings Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, 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).
Maine: Banks and credit unions headquartered in Maine 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 rose 6.8% from Q3 2025 to Q2 2026, to $94K.

Service-charge income, Q2 2026

$94K

$88KQ3 2025

$94KQ4 2025

$82KQ1 2026

$94KQ2 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 · $787M 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.

Banks only
$768M to $811M in assets
Headquartered in 19 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)	Farmington, ME	$787M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Bridger, National Association	Bridger, MT	$803M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CFSBANK	Charleroi, PA	$773M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City State Bank	Norwalk, IA	$788M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank	Clewiston, FL	$811M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Century Bank	Tazewell, TN	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Savings Bank of Hegewisch	Chicago, IL	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Western Bank	Booneville, AR	$793M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FNB Bank, Inc.	Mayfield, KY	$770M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Harford Bank	Aberdeen, MD	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Home State Bank, National Association	Crystal Lake, IL	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial Bank	Washington, DC	$774M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Itasca Bank & Trust Co.	Itasca, IL	$771M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MidSouth Bank	Dothan, AL	$771M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Midwest Heritage Bank, FSB	West Des Moines, IA	$768M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Millennium Bank	Ooltewah, TN	$781M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission Valley Bank	Sun Valley, CA	$782M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
People's Bank of Commerce	Medford, OR	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Platte Valley Bank	Torrington, WY	$809M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Quontic Bank	Astoria, NY	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sauk Valley Bank & Trust Company	Sterling, IL	$791M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Savers Co-operative Bank	Southbridge, MA	$783M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bank of Canton	Canton, MA	$783M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Peoples Bank, Biloxi, Mississippi	Biloxi, MS	$771M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Western State Bank	Garden City, KS	$802M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
West Plains Bank and Trust Company	West Plains, MO	$768M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.75 (35%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.75 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Franklin Savings BankPeer (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 Nov 3, 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: $94K
vs prior quarter: +$12K+14.6%; from Q1 2026
vs a year earlier: +$10K+11.9%; from Q2 2025
vs start of range: +$1K+1.1%; 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	$94K	+$12K	+14.6%
Q1 2026	$82K	−$12K	−12.8%
Q4 2025	$94K	+$6K	+6.8%
Q3 2025	$88K	+$4K	+4.8%
Q2 2025	$84K	$0	0.0%
Q1 2025	$84K	−$5K	−5.6%
Q4 2024	$89K	−$4K	−4.3%
Q3 2024	$93K	−$2K	−2.1%

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

Monthly Maintenance$5
per month
Accounts closed within 90 days$20
Research/Statement Reconciliation, per hour$28
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement fee (undeliverable), per month$2.50
per month

Overdraft & NSF

Overdrafts/NSF per item PAID$30
per item
Overdrafts/NSF per item RETURNED$30
per item

ATM & Card

Debit card replacement$7

Wire Transfers

Wire Transfer (Outgoing)$25
Wire Transfer (Incoming)$15
Foreign Wires (Outgoing)$50

Check Services

Treasurer’s Checks (customers)$4
Treasurer’s Checks (non-customers)$10
Money Orders (customers)$2
Money Orders (non-customers)$5
Stop Payment$30
Counter Checks, per check$1
per item
Check Cashing Fee (non-customer)$10
Not compared: Monthly charge, not per item
per month

Digital & Electronic

Franklin Bill Pay - personal checking accountsNo charge

Cash & Deposit

Deposited items returned$10

Account Services

Safe Deposit-Lost Key$50
Not compared: Box drilling or key fee

Other Fees

Statement copy and images, per statement$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Accounts closed within 90 days	$20	Not stated	None
Research/Statement Reconciliation, per hour	$28Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement fee (undeliverable), per month	$2.50	per month	None
Overdraft & NSF
Overdrafts/NSF per item PAID	$30	per item	None
Overdrafts/NSF per item RETURNED	$30	per item	None
ATM & Card
Debit card replacement	$7	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$25	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Foreign Wires (Outgoing)	$50	Not stated	None
Check Services
Treasurer’s Checks (customers)	$4	Not stated	None
Treasurer’s Checks (non-customers)	$10	Not stated	None
Money Orders (customers)	$2	Not stated	None
Money Orders (non-customers)	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks, per check	$1	per item	None
Check Cashing Fee (non-customer)	$10Not compared: Monthly charge, not per item	per month	None
Digital & Electronic
Franklin Bill Pay - personal checking accounts	No charge	Not stated	None
Cash & Deposit
Deposited items returned	$10	Not stated	None
Account Services
Safe Deposit-Lost Key	$50Not compared: Box drilling or key fee	Not stated	None
Other Fees
Statement copy and images, per statement	$3	Not stated	None

Correct a fee source

Oct 2, 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.

Enforcement actions

1 past action

Past

Civil Money Penalty, $5,160February 4, 2011
Federal Reserve · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 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

Get an email when Franklin Savings Bank's nsf / returned item changes in our data

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