Compared with New York
16 of 25
compared fees are above the median.
5 below, 4 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
28th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 25 compared; 5 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Cross County 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 York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cross County Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.3% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (28th 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 $68K in Q2 2026, 5.6% below the same quarter a year earlier ($72K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
16 of 25 compared published fees sit above the New York 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 York medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Compared at $22.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.4% from Q3 2025 to Q2 2026, to $68K. Its share of revenue, 1.3%, is below the 2.1% median for banks with $300M to $1B in assets.
$68K
Cross County 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.
Cross County Savings Bank · $525M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cross County Savings Bank(this institution) | Middle Village, NY | $525M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Dudley | Dudley, GA | $538M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of the Flint Hills | Wamego, KS | $545M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Community Bank | Mascoutah, IL | $531M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank Mankato | Vernon Center, MN | $538M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coulee Bank | La Crosse, WI | $524M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enterprise Bank | Allison Park, PA | $525M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enterprise Bank of South Carolina | Ehrhardt, SC | $535M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fifth District Savings Bank | New Orleans, LA | $532M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Citizens State Bank | Whitewater, WI | $525M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Montana Bank, Inc. | Missoula, MT | $530M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Nations Bank | Chicago, IL | $537M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Robinson Savings Bank, National Association | Robinson, IL | $512M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First State Bank | Wrens, GA | $513M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust | Tonganoxie, KS | $515M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lake Elmo Bank | Lake Elmo, MN | $530M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mega Bank | San Gabriel, CA | $507M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Shoreham Bank | Warwick, RI | $535M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southern Bank of Tennessee | Mount Juliet, TN | $533M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank Financial | La Crosse, WI | $512M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Advance | Advance, MO | $510M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Berkshire Bank | New York, NY | $530M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Callaway Bank | Fulton, MO | $512M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Murray Bank | Murray, KY | $534M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples State Bank | Ellettsville, IN | $507M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Savings Bank | Circleville, OH | $520M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ 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.
Peer pricing snapshot
The peer median is $9.49 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Cross County Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Cross County 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 | $68K | −$3K | −4.2% |
| Q1 2026 | $71K | −$1K | −1.4% |
| Q4 2025 | $72K | +$3K | +4.3% |
| Q3 2025 | $69K | −$3K | −4.2% |
| Q2 2025 | $72K | +$6K | +9.1% |
| Q1 2025 | $66K | −$9K | −12.0% |
| Q4 2024 | $75K | $0 | 0.0% |
| Q3 2024 | $75K | +$9K | +13.6% |
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, Cross County 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 Cross County Savings Bank by share.
Amounts from Cross County Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within Six Months | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Abandoned Property Handling Fee (per account) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reclamation of Escheated Funds (per account) | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation Fee (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Record Research Fee (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Print Service Charge (per statement) | $10Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Savings Withdrawal Limit Fee (per item) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail Handling Fee (per item) | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Premium OD Fee (per item paid) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge (per item, per presentment2) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Check Charge (per item) | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer Fee (per transfer) | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Network ATM Fee (per transaction) | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Incoming Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Outgoing Wire | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign Incoming Wire | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Tellers Checks (under $1,000.00) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (depositor) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order (non-depositor) | $10Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection of Foreign Item Fee | $55Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of Check Fee (per item) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine Fee (depositor) | No chargeInside the U.S. middle 50% ($0 to $2.54 nationally) | Not stated | None |
| Coin Machine Fee (non-depositor) | 10% | Not stated | None |
Account Services | |||
| Notary Public (depositor) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public (non-depositor) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box Breakopen | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Late Payment Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Legal Processing Fee | $125Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification Letter | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Photocopy of Transaction Slip (per item) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Returned Loan Payment (per item) | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 1, 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 Cross County Savings Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $446.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $446.5M |
New York-Newark-Jersey City, NY-NJ
0% of bank deposits, #102 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Cross County Savings Bank holds 0% of bank deposits, #102 of 151, with 6 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
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 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 6 offices, #102 of 151
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
517 offices of 199 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.
Fee change alerts
We check once a day and send one email covering every change.