Compared with Massachusetts
6 of 18
compared fees are above the median.
4 below, 8 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
56th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 18 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 2, 2026
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 | 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 Massachusetts median | Published fees above the Massachusetts 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
Service charges were 2.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (56th 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 $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.
6 of 18 compared published fees sit above the Massachusetts median; 4 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 Massachusetts medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $4.98, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 1.6% from Q3 2025 to Q2 2026, to $127K. Its share of revenue, 2.3%, is above the 2.1% median for banks with $300M to $1B in assets.
$127K
Clinton 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 $3 to $15; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Clinton 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 | $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% |
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, Clinton 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 Clinton Savings Bank by share.
Amounts from Clinton 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 item
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Return Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Charge –item paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds Charge –item returned | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Service Charge | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Bank CheCks Treasurer’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Treasurer’s Check | $5Not compared: Monthly charge, not per item | per month | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (per sheet) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| O nline Banking Online Bill Payment – Monthly Maintenance Service Charge | $4.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| COin MaChine use CSB Customers | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Cash Advance | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Deposited Item | $6.84Below the U.S. middle 50% ($9 to $25 nationally) | 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” | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 10” | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy Processing/Account Attachment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (per month) | $15Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
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.
Where Clinton Savings Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $581.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $581.6M |
Worcester, MA
2.6% of bank deposits, #12 of 26, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 13.5% |
| UniBank for Savings | 11.3% |
| TD Bank, National Association | 9.9% |
| Cornerstone Bank | 8.6% |
| Santander Bank, N.A. | 8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Worcester, MA, Clinton Savings Bank holds 2.6% of bank deposits, #12 of 26, with 8 offices.
258 offices of 46 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 26 institutions shown. $22.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.6% share, 8 offices, #12 of 26
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
72 offices of 20 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.