Compared with New Jersey
10 of 20
compared fees are above the median.
7 below, 3 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
47th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 20 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Crest 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 Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Crest Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (47th 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 $92K in Q2 2026, 24% above the same quarter a year earlier ($74K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 20 compared published fees sit above the New Jersey median; 7 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 Jersey medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.68, the middle of its prices
Monthly Maintenance
Compared at $6.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 21% from Q3 2025 to Q2 2026, to $92K. Its share of revenue, 1.9%, is below the 2.1% median for banks with $300M to $1B in assets.
$92K
Crest 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. *Non-network ATM: Listed at $0.35 to $1; we compare the midpoint. Monthly maintenance: Listed at $3 to $10; we compare the midpoint.
Crest Savings Bank · $594M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Crest Savings Bank(this institution) | Wildwood, NJ | $594M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Holly Springs | Holly Springs, MS | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cattlemens Bank | Altus, OK | $595M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank Minnesota | New Ulm, MN | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cross Bank | Wynne, AR | $593M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First National Bank & Trust Company of McAlester | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Madisonville, KY | $591M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FNBC Bank & Trust | La Grange, IL | $582M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Frontier State Bank | Oklahoma City, OK | $609M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Capital Bank | Houston, TX | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hatboro Federal Savings, FA | Hatboro, PA | $598M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lee Bank | Lee, MA | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palmetto State Bank | Hampton, SC | $597M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples National Bank of Kewanee | Kewanee, IL | $588M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pineland Bank | Alma, GA | $597M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PremierBank | Fort Atkinson, WI | $584M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PyraMax Bank, FSB | Greenfield, WI | $589M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Missouri Bank | Marceline, MO | $597M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Citizens Bank of Georgia | Cumming, GA | $599M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Falls City National Bank | Falls City, TX | $597M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Savings Bank | Effingham, IL | $585M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| WNB FINANCIAL, N.A. | Winona, MN | $584M | 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.50, the middle of its four prices, against a peer median of $7.50 among 10 publishing peers.
Its four checking prices are $3, $5, $8 and $10.
$6.50 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 Oct 23, 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 23, 2026. Total assets from FDIC and NCUA records.
Call reports for Crest Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $92K | +$14K | +17.9% |
| Q1 2026 | $78K | −$4K | −4.9% |
| Q4 2025 | $82K | +$6K | +7.9% |
| Q3 2025 | $76K | +$2K | +2.7% |
| Q2 2025 | $74K | +$10K | +15.6% |
| Q1 2025 | $64K | −$5K | −7.2% |
| Q4 2024 | $69K | +$1K | +1.5% |
| Q3 2024 | $68K | −$8K | −10.5% |
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, Crest 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 Crest Savings Bank by share.
Amounts from Crest 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 hour
per month
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ✓ Monthly maintenance fee if the daily balance drops below any day of the month (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| ✓ Monthly maintenance fee if the daily balance drops below any day of the month (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Anchor Account monthly maintenance fee (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Jersey Consumer Checking monthly maintenance fee (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Account Early Close-out (closed before 6 months) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Charge - Per month after 2 years inactive | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Reconciliation - Per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed statements (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail Process Fee | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| UCF Paid Item – Uncollected Funds Item Paid | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| UCF Return Item – Uncollected Funds Item Returned | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-Crest Savings Bank ATM Balance Inquiry Fee | $0.35Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-Crest Savings Bank ATM Transaction Fee – Savings Accounts | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace ATM/Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - Outgoing International | $37Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy - Check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment Rush Delivery (ACH) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payment Rush Delivery (Check) | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box Annual Rental 10x10 | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 10x3 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 10x5 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 2x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 3x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 5x5 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box drilling (minimum) | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy & Lien Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopy – Statement/ Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 10, 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 Crest Savings Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $516.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $516.9M |
Atlantic City-Hammonton, NJ
4.5% of bank deposits, #7 of 16, up 4.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| TD Bank, National Association | 23.6% |
| OceanFirst Bank, National Association | 20.7% |
| Bank of America, National Association | 12.6% |
| Sturdy Savings Bank | 8.9% |
| PNC Bank, National Association | 8.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Atlantic City-Hammonton, NJ, Crest Savings Bank holds 4.5% of bank deposits, #7 of 16, with 8 offices.
91 offices of 21 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.
8 of 16 institutions shown. $11.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 4.5% share, 8 offices, #7 of 16
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
9 offices of 5 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 and New Jersey Department of Banking and Insurance
The Federal Reserve and New Jersey Department of Banking and Insurance have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and New Jersey Department of Banking and Insurance, 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.