14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 19, 2026.
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
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 Oct 19, 2026
Call-report figures are for New Valley Bank & Trust 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) 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. | New Valley Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $63K in Q2 2026, 6.8% above the same quarter a year earlier ($59K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Rise Checking $7 · Direct Checking $10 · Signature Checking $14.95
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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 3.3% from Q3 2025 to Q2 2026, to $63K.
$63K
New Valley Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
New Valley Bank & Trust · $385M 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 |
|---|---|---|---|---|---|---|---|
| New Valley Bank & Trust(this institution) | Springfield, MA | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Community Bank of Indiana | Saint John, IN | $383M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankGloucester | Gloucester, MA | $387M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Bank | Tampa, FL | $387M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earlham Savings Bank | West Des Moines, IA | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ESB Financial | Emporia, KS | $381M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Clarksdale | Clarksdale, MS | $386M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank | Lynnville, IA | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Planters' Bank | Newport, AR | $379M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Trust and Savings Bank | Bourbonnais, IL | $382M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Jasper, AL | $385M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandhills State Bank | North Platte, NE | $383M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Community State Bank | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Fahey Banking Company | Marion, OH | $385M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Fisher National Bank | Fisher, IL | $376M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Harbor Bank of Maryland | Baltimore, MD | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| THE HOME LOAN SAVINGS BANK | Coshocton, OH | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| TrustTexas Bank, SSB | Cuero, TX | $393M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Roosevelt Savings Bank | Carteret, NJ | $381M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $6.95 among 15 publishing peers.
Its three checking prices are $7, $10 and $14.95.
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 New Valley Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 29 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $63K | +$4K | +6.8% |
| Q1 2026 | $59K | $0 | 0.0% |
| Q4 2025 | $59K | −$2K | −3.3% |
| Q3 2025 | $61K | +$2K | +3.4% |
| Q2 2025 | $59K | +$1K | +1.7% |
| Q1 2025 | $58K | +$2K | +3.6% |
| Q4 2024 | $56K | −$1K | −1.8% |
| Q3 2024 | $57K | $0 | 0.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from New Valley Bank & Trust’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per item
per item · Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($136) for items processed for payment on that business day Other stated price tier: $5.00 for each item we return due to insufficient funds or for each overdraft item we pay on accounts for customer ages 18 or younger or 65 and older in our 18/65 checking product, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($20) for items processed for payment on that business day NSF fees will not be charged to a Rise Checking account.
per item · Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($136) for items processed for payment on that business day Other stated price tier: $5.00 for each item we return due to insufficient funds or for each overdraft item we pay on accounts for customer ages 18 or younger or 65 and older in our 18/65 checking product, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($20) for items processed for payment on that business day NSF fees will not be charged to a Rise Checking account.
per day
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Direct Checking Monthly Maintenance Charge | $10 | per month | None |
| Monthly maintenance charge required | $7 | per month | None |
| Signature Checking Monthly Maintenance Charge | $14.95 | per month | None |
| Early Account Closure | $25 | Not stated | None |
| Escheatment | $50 | Not stated | None |
| Inactive Account | $10 | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF/Overdraft Fee | $34 | per item | Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($136) for items processed for payment on that business day Other stated price tier: $5.00 for each item we return due to insufficient funds or for each overdraft item we pay on accounts for customer ages 18 or younger or 65 and older in our 18/65 checking product, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($20) for items processed for payment on that business day NSF fees will not be charged to a Rise Checking account. |
| NSF/Overdraft Fee | $34 | per item | Insufficient Funds (NSF) Fee | $34.00 for each presentment of an item for payment that we return due to insufficient funds or for each presentment of an overdraft item we pay, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($136) for items processed for payment on that business day Other stated price tier: $5.00 for each item we return due to insufficient funds or for each overdraft item we pay on accounts for customer ages 18 or younger or 65 and older in our 18/65 checking product, unless one of the following exceptions apply: The amount of the overdrawn balance is less than $10.00; Your account has already been charged a total of 4 NSF fees ($20) for items processed for payment on that business day NSF fees will not be charged to a Rise Checking account. |
| Overdraft Protection | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Debit Card Replacement | $10 | per item | None |
Check Services | |||
| Official Bank Check | $5 | per item | None |
| Money Order | $3 | per item | None |
| Stop Payment | $30 | per item | None |
| Temporary Checks | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Foreign Check Collection | $10 | per item | None |
| Foreign Check Collection | $15 | per item | None |
| Statement/Check Copy | $5 | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | $6 | per item | None |
Account Services | |||
| Levy Processing | $50 | per item | None |
Retirement & IRA | |||
| IRA Trustee Transfer | $25 | per item | None |
Oct 19, 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 New Valley Bank & Trust operates, and what regulators and customers have on file.
In Springfield, MA, New Valley Bank & Trust holds 2.3% of bank deposits, #11 of 18, with 3 offices.
150 offices of 29 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 18 institutions shown. $14.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 2.3% share, 3 offices, #11 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
33 offices of 11 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.