Clinton Savings Bank

Headquarters: Clinton, Massachusetts
Charter: Bank
Assets: $744.7M
Fed district: Boston
Regulator: FDIC
Holding company: Clinton Financial Services Mhc

19 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
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 Clinton 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	Clinton 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: FDIC BankFind Suite (call report data)
Entity: Clinton Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $127K in Q2 2026, 7.6% above the same quarter a year earlier ($118K).
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 $4.98, the middle of its prices
Clinton Savings Bank: $3 to $15
Clinton Savings Bank: $3 to $15
U.S. median: no median
Overdraft (OD)
Clinton Savings Bank: $30
Clinton Savings Bank: $30
U.S. median: no median
NSF / Returned Item
Clinton Savings Bank: $30
Clinton 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 Massachusetts, 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).
Massachusetts: Banks and credit unions headquartered in Massachusetts 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 1.6% from Q3 2025 to Q2 2026, to $127K.

Service-charge income, Q2 2026

$127K

$129KQ3 2025

$138KQ4 2025

$134KQ1 2026

$127KQ2 2026

Against the median

Clinton Savings BankMedian

Sources and open questions

FDIC 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

Clinton Savings Bank · $745M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$722M to $768M in assets
Headquartered in 14 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
Clinton Savings Bank(this institution)	Clinton, MA	$745M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Albany Bank and Trust Company National Association	Chicago, IL	$722M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
BAC Community Bank	Stockton, CA	$762M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Luxemburg	Luxemburg, WI	$723M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Prairie du Sac	Prairie du Sac, WI	$745M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chippewa Valley Bank	Hayward, WI	$736M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commerce Bank	Laredo, TX	$762M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Countybank	Greenwood, SC	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Waverly, IA	$740M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Midwest Bank of the Ozarks	Poplar Bluff, MO	$733M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Community Bank	Chatsworth, GA	$755M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Neighbor Bank, National Association	Toledo, IL	$736M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FM Bank	Waseca, MN	$738M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HomeBank	Palmyra, MO	$733M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kleberg Bank, N.A.	Kingsville, TX	$737M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Shore Bank	Dunkirk, NY	$736M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lea County State Bank	Hobbs, NM	$738M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers Bank & Trust Company	Forest City, IA	$738M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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
Northwestern Bank	Chippewa Falls, WI	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Community Bank	Greenville, MO	$735M	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 Sonora	Sonora, TX	$722M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Malvern National Bank	Malvern, AR	$728M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Capital Bank of Washington	Washington, DC	$742M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Valley Bank	Cavalier, ND	$752M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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 · 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 $2.53 (34%) below the median of similar-sized banks.

Compared at $4.98, the middle of its four prices, against a peer median of $7.50 among 17 publishing peers.

Its four checking prices are $3, $4.95, $5 and $15.

$4.98 is a comparison price, not a fee anyone is charged.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Clinton Savings Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (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 2, 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 Clinton 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: $127K
vs prior quarter: −$7K−5.2%; from Q1 2026
vs a year earlier: +$9K+7.6%; from Q2 2025
vs start of range: +$5K+4.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Clinton Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$127K	−$7K	−5.2%
Q1 2026	$134K	−$4K	−2.9%
Q4 2025	$138K	+$9K	+7.0%
Q3 2025	$129K	+$11K	+9.3%
Q2 2025	$118K	+$6K	+5.4%
Q1 2025	$112K	−$20K	−15.2%
Q4 2024	$132K	+$10K	+8.2%
Q3 2024	$122K	+$6K	+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 Clinton Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Service Charge$5
per month
Monthly Maintenance Service Charge$3
per month
Monthly Maintenance Service Charge$15
per month
Monthly Maintenance Service Charge$4.95
per month
Inactivity Fee$5
Return Mail Fee$5

Overdraft & NSF

Insufficient Funds Charge –item paid$30
Insufficient Funds Charge –item returned$30
Continuous Overdraft Fee$5
per day

ATM & Card

ATM Service Charge$1
ATM/Debit Card Replacement$10

Check Services

Bank CheCks Treasurer’s Check$5
Treasurer’s Check$5
Not compared: Monthly charge, not per item
per month
Money Order$5
Stop Payment$30
Temporary Checks (per sheet)$3
per item

Digital & Electronic

O nline Banking Online Bill Payment – Monthly Maintenance Service Charge$4.95
per month

Cash & Deposit

COin MaChine use CSB CustomersNo charge
Cash Advance$5
Return Deposited Item$6.84
Night Deposit$15
Not compared: Annual charge, not per item
per year

Account Services

Box Closed - lost key replacement$25
Not compared: Box drilling or key fee
Box Drilling$25
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$155
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 2” x 5”$35
Safe Deposit Box 3” x 10”$70
Safe Deposit Box 3” x 5”$45
Safe Deposit Box 5” x 10”$110
Safe Deposit Box 5” x 5”$55
Levy Processing/Account Attachment$100

Lending Fees

Late Fee (per month)$15
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Transfer Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Service Charge	$5	per month	None
Monthly Maintenance Service Charge	$3	per month	None
Monthly Maintenance Service Charge	$15	per month	None
Monthly Maintenance Service Charge	$4.95	per month	None
Inactivity Fee	$5	Not stated	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Insufficient Funds Charge –item paid	$30	Not stated	None
Insufficient Funds Charge –item returned	$30	Not stated	None
Continuous Overdraft Fee	$5	per day	None
ATM & Card
ATM Service Charge	$1	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
Check Services
Bank CheCks Treasurer’s Check	$5	Not stated	None
Treasurer’s Check	$5Not compared: Monthly charge, not per item	per month	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (per sheet)	$3	per item	None
Digital & Electronic
O nline Banking Online Bill Payment – Monthly Maintenance Service Charge	$4.95	per month	None
Cash & Deposit
COin MaChine use CSB Customers	No charge	Not stated	None
Cash Advance	$5	Not stated	None
Return Deposited Item	$6.84	Not stated	None
Night Deposit	$15Not compared: Annual charge, not per item	per year	None
Account Services
Box Closed - lost key replacement	$25Not compared: Box drilling or key fee	Not stated	None
Box Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$155Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 2” x 5”	$35	Not stated	None
Safe Deposit Box 3” x 10”	$70	Not stated	None
Safe Deposit Box 3” x 5”	$45	Not stated	None
Safe Deposit Box 5” x 10”	$110	Not stated	None
Safe Deposit Box 5” x 5”	$55	Not stated	None
Levy Processing/Account Attachment	$100	Not stated	None
Lending Fees
Late Fee (per month)	$15Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Transfer Fee	$25	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 Clinton Savings Bank operates, and what regulators and customers have on file.

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 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

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