Dean Co-operative Bank

Headquarters: Franklin, Massachusetts
Charter: Bank
Assets: $494.3M
Fed district: Boston
Regulator: FDIC

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Dean Co-operative 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.	Dean Co-operative 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Dean Co-operative 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 $184K in Q2 2026, 6.4% above the same quarter a year earlier ($173K).
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 $5, the middle of its prices
Dean Co-operative Bank: $0 to $20
Dean Co-operative Bank: $0 to $20
U.S. median: no median
NSF / Returned Item
Dean Co-operative Bank: $7
Dean Co-operative Bank: $7
U.S. median: no median
Non-Network ATM
Dean Co-operative Bank: No fee
Dean Co-operative Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 rose 7.0% from Q3 2025 to Q2 2026, to $184K.

Service-charge income, Q2 2026

$184K

$172KQ3 2025

$183KQ4 2025

$189KQ1 2026

$184KQ2 2026

Against the median

Dean Co-operative 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

Dean Co-operative Bank · $494M 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
$482M to $507M 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
Dean Co-operative Bank(this institution)	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Ambler Savings Bank	Ambler, PA	$502M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank and Trust	Milledgeville, GA	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colonial Savings, F.A.	Fort Worth, TX	$502M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eagle Bank and Trust Company	Little Rock, AR	$506M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fulton Savings Bank	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Grinnell State Bank	Grinnell, IA	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grundy Bank	Morris, IL	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mega Bank	San Gabriel, CA	$507M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Merchants Commercial Bank	St Thomas, VI	$506M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio State Bank	Bexley, OH	$484M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shamrock Bank, N.A.	Coalgate, OK	$501M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Capital Bank	Albuquerque, NM	$483M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Bank, F.S.B.	Sterling, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Napoleon State Bank	Napoleon, IN	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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
UNICO Bank	Mineral Point, MO	$503M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wallkill Valley Federal Savings and Loan Association	Wallkill, NY	$485M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ 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 $2.50 (33%) below the median of similar-sized banks.

Compared at $5, the middle of its five prices, against a peer median of $7.50 among 17 publishing peers.

Its five checking prices are $0, $2, $5, $10 and $20.

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 19, 2026.

Monthly maintenance fee in dollars, one mark per institution

Dean Co-operative Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 Oct 19, 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 Dean Co-operative 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: $184K
vs prior quarter: −$5K−2.6%; from Q1 2026
vs a year earlier: +$11K+6.4%; from Q2 2025
vs start of range: −$1K−0.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Dean Co-operative 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	$184K	−$5K	−2.6%
Q1 2026	$189K	+$6K	+3.3%
Q4 2025	$183K	+$11K	+6.4%
Q3 2025	$172K	−$1K	−0.6%
Q2 2025	$173K	+$4K	+2.4%
Q1 2025	$169K	−$18K	−9.6%
Q4 2024	$187K	+$2K	+1.1%
Q3 2024	$185K	+$4K	+2.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Dean Co-operative Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$10
per month
Monthly Service ChargeNo charge
per month
Monthly Service Charge if below MDB$20
per month
Monthly Service Charge if below MDB$2
per month
Monthly Service Charge if below MDB$5
per month
Abandoned Property Fee$30
per month
Paper Statement fee$5
Returned Mail$5

Overdraft & NSF

Returned Check Fee$7

ATM & Card

Foreign ATM UsageNo charge
Overnight rush order for Debit Card (Mail)$75

Check Services

Treasurer’s Check$10
Money Order$5
Treasurer’s Check or Money Order$3
Stop Payment Orders$35
Per copy of each item$5
per item

Digital & Electronic

Bill Pay (Next Day Electronic)$9.95
Bill Pay (Overnight / Rush Check)$14.95
Not compared: Per-occurrence charge, not monthly
per item
Online Bill PaymentNo charge
Zelle Next-Day Payment FeeNo charge
Mobile DepositNo charge

Cash & Deposit

Returned Check Fee$7

Account Services

Additional or Replacement Key$10
Not compared: Box drilling or key fee
Drill due to lost keys$350
Not compared: Monthly charge, not annual
per month
Duplicate Key$35
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$180
Safe Deposit Box 3" x 5"$50
Safe Deposit Box 5" x 10"$120
Checking Accounts: Premium Money Market: Levies$100

Retirement & IRA

IRA Custodial Transfer Fee$25
IRA Termination Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$10	per month	None
Monthly Service Charge	No charge	per month	None
Monthly Service Charge if below MDB	$20	per month	None
Monthly Service Charge if below MDB	$2	per month	None
Monthly Service Charge if below MDB	$5	per month	None
Abandoned Property Fee	$30	per month	None
Paper Statement fee	$5	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Returned Check Fee	$7	Not stated	None
ATM & Card
Foreign ATM Usage	No charge	Not stated	None
Overnight rush order for Debit Card (Mail)	$75	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Treasurer’s Check or Money Order	$3	Not stated	None
Stop Payment Orders	$35	Not stated	None
Per copy of each item	$5	per item	None
Digital & Electronic
Bill Pay (Next Day Electronic)	$9.95	Not stated	None
Bill Pay (Overnight / Rush Check)	$14.95Not compared: Per-occurrence charge, not monthly	per item	None
Online Bill Payment	No charge	Not stated	None
Zelle Next-Day Payment Fee	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Returned Check Fee	$7	Not stated	None
Account Services
Additional or Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Drill due to lost keys	$350Not compared: Monthly charge, not annual	per month	None
Duplicate Key	$35Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$180	Not stated	None
Safe Deposit Box 3" x 5"	$50	Not stated	None
Safe Deposit Box 5" x 10"	$120	Not stated	None
Checking Accounts: Premium Money Market: Levies	$100	Not stated	None
Retirement & IRA
IRA Custodial Transfer Fee	$25	Not stated	None
IRA Termination Fee	$25	Not stated	None

Correct a fee source

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.

Fee change alerts

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