Compared with Massachusetts
8 of 17
compared fees are above the median.
4 below, 5 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
80th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 17 compared; 4 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
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 | 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. | 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
Service charges were 3.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (80th 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 $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.
8 of 17 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.
NSF / Returned Item
Monthly Maintenance
Compared at $5, the middle of its prices
Non-Network ATM
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 rose 7.0% from Q3 2025 to Q2 2026, to $184K. Its share of revenue, 3.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$184K
Dean Co-operative 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 $0 to $20; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Dean Co-operative 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 | $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% |
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, Dean Co-operative Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Dean Co-operative Bank by share.
Amounts from Dean Co-operative 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 month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge if below MDB | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge if below MDB | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge if below MDB | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Abandoned Property Fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Returned Check Fee | $7Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Usage | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Overnight rush order for Debit Card (Mail) | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Treasurer’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Treasurer’s Check or Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Orders | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Per copy of each item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (Next Day Electronic) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay (Overnight / Rush Check) | $14.95Not compared: Per-occurrence charge, not monthly | per item | None |
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle Next-Day Payment Fee | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check Fee | $7Below the U.S. middle 50% ($8.88 to $25 nationally) | 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" | $180Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Checking Accounts: Premium Money Market: Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Custodial Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Termination Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | 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 Dean Co-operative Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $420.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $282.4M | |
| 2 | $138.2M |
Boston-Cambridge-Newton, MA-NH
0% of bank deposits, #60 of 100, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| State Street Bank and Trust Company | 41.7% |
| Bank of America, National Association | 16% |
| Citizens Bank, National Association | 10.1% |
| Santander Bank, N.A. | 5.7% |
| Eastern Bank | 4.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Boston-Cambridge-Newton, MA-NH, Dean Co-operative Bank holds 0% of bank deposits, #60 of 100, with 2 offices.
900 offices of 38 institutions shown.
Showing 900 of 1,598 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 100 institutions shown. $580.3B 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, 2 offices, #60 of 100
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
313 offices of 99 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.