Cambridge Savings Bank

Headquarters: Cambridge, Massachusetts
Charter: Bank
Assets: $7.0B
Fed district: Boston
Regulator: FDIC
Holding company: Cambridge Financial Group Inc.

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

Source: its fee schedule, read Nov 2, 2026.

Overview

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 Nov 2, 2026

How these figures are measured

Call-report figures are for Cambridge 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) 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.	Cambridge Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Cambridge Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $909K in Q2 2026, 8.0% above the same quarter a year earlier ($842K).
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 $7.50, the middle of its prices
Cambridge Savings Bank: $1 to $20
Cambridge Savings Bank: $1 to $20
U.S. median: no median
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Cambridge Savings Bank: $5 to $25
Cambridge Savings Bank: $5 to $25
U.S. median: no median
NSF / Returned Item
Compared at $5, the middle of its prices
Cambridge Savings Bank: $0 to $35
Cambridge Savings Bank: $0 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 4.8% from Q3 2025 to Q2 2026, to $909K.

Service-charge income, Q2 2026

$909K

$867KQ3 2025

$872KQ4 2025

$896KQ1 2026

$909KQ2 2026

Against the median

Cambridge Savings BankMedian

Sources and open questions

FFIEC 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

Cambridge Savings Bank · $7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$6.3B to $7.7B in assets
Headquartered in 18 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
Cambridge Savings Bank(this institution)	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kearny Bank	Kearny, NJ	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Needham Bank	Needham, MA	$7.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northpointe Bank	Grand Rapids, MI	$7.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pathward, National Association	Sioux Falls, SD	$7.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.24 (14%) below the median of similar-sized banks.

Compared at $7.50, the middle of its four prices, against a peer median of $8.74 among 18 publishing peers.

Its four checking prices are $1, $5, $10 and $20.

$7.50 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Cambridge Savings Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (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 Nov 1, 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 Cambridge Savings 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: $909K
vs prior quarter: +$13K+1.5%; from Q1 2026
vs a year earlier: +$67K+8.0%; from Q2 2025
vs start of range: +$124K+15.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Cambridge Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$909K	+$13K	+1.5%
Q1 2026	$896K	+$24K	+2.8%
Q4 2025	$872K	+$5K	+0.6%
Q3 2025	$867K	+$25K	+3.0%
Q2 2025	$842K	+$17K	+2.1%
Q1 2025	$825K	−$8K	−1.0%
Q4 2024	$833K	+$48K	+6.1%
Q3 2024	$785K	+$31K	+4.1%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Cambridge Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$1
per month
Monthly Maintenance Service Charge$5
per month
Monthly Maintenance Service Charge$10
per month
Monthly Maintenance Service Charge$20
per month
Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (OD)$5
Paid Item$25
Insufficient Funds (NSF)/Uncollected$35
NSF/UCF/EFT$5
Returned itemsNo charge

ATM & Card

Re-Issue Card: Branch$10
Re-Issue Card: Expedited Mail (domestic)$25
International ATM & Point of Sale (POS) Transactions (per transaction) (audience not stated, treated as personal)0.75%
per transaction

Wire Transfers

Outgoing (per wire transfer)$25
per item
Outgoing (per wire transfer)$40
per item
Incoming (per wire transfer)$12
per item
Foreign Wire Transfers Outgoing (per wire transfer)$40
per item
Foreign Wire Transfers Incoming (per wire transfer)$12
per item

Check Services

Treasurer’s Checks$6
Money Orders$4
Stop Payment$30
Stop Payment (per item)$30
per item
Canadian Check Collection$25
Canadian Check Collection (per item, plus other bank’s fees)$25
per item
Foreign Check Collection$40
per item

Digital & Electronic

BillPay Service Rush Delivery (per overnight payment by ACH)$7
Not compared: Per-occurrence charge, not monthly
per item
BillPay Service Rush Delivery (per overnight payment by check)$30

Account Services

Levy Processing$75

Retirement & IRA

Traditional and Roth IRA Plan Annual Fee$15
per year

Other Fees

Copy of any Document$3
Research (per hour, including statement copies)$25
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$1	per month	None
Monthly Maintenance Service Charge	$5	per month	None
Monthly Maintenance Service Charge	$10	per month	None
Monthly Maintenance Service Charge	$20	per month	None
Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (OD)	$5	Not stated	None
Paid Item	$25	Not stated	None
Insufficient Funds (NSF)/Uncollected	$35	Not stated	None
NSF/UCF/EFT	$5	Not stated	None
Returned items	No charge	Not stated	None
ATM & Card
Re-Issue Card: Branch	$10	Not stated	None
Re-Issue Card: Expedited Mail (domestic)	$25	Not stated	None
International ATM & Point of Sale (POS) Transactions (per transaction) (audience not stated, treated as personal)	0.75%	per transaction	None
Wire Transfers
Outgoing (per wire transfer)	$25	per item	None
Outgoing (per wire transfer)	$40	per item	None
Incoming (per wire transfer)	$12	per item	None
Foreign Wire Transfers Outgoing (per wire transfer)	$40	per item	None
Foreign Wire Transfers Incoming (per wire transfer)	$12	per item	None
Check Services
Treasurer’s Checks	$6	Not stated	None
Money Orders	$4	Not stated	None
Stop Payment	$30	Not stated	None
Stop Payment (per item)	$30	per item	None
Canadian Check Collection	$25	Not stated	None
Canadian Check Collection (per item, plus other bank’s fees)	$25	per item	None
Foreign Check Collection	$40	per item	None
Digital & Electronic
BillPay Service Rush Delivery (per overnight payment by ACH)	$7Not compared: Per-occurrence charge, not monthly	per item	None
BillPay Service Rush Delivery (per overnight payment by check)	$30	Not stated	None
Account Services
Levy Processing	$75	Not stated	None
Retirement & IRA
Traditional and Roth IRA Plan Annual Fee	$15	per year	None
Other Fees
Copy of any Document	$3	Not stated	None
Research (per hour, including statement copies)	$25Not compared: Charged per hour; comparison unavailable	per hour	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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.

Branches and public record

Where Cambridge Savings Bank operates, and what regulators and customers have on file.

Market position

In Boston-Cambridge-Newton, MA-NH, Cambridge Savings Bank holds 0.9% of bank deposits, #11 of 100, with 21 offices.

Compare fees with the 123 Boston-Cambridge-Newton, MA-NH banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 38 institutions shown.

Cambridge Savings BankOther banksCredit unions

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).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 33 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1State Street Bank and Trust Company41.7%
2Bank of America, National Association16.0%
3Citizens Bank, National Association10.1%
4Santander Bank, N.A.5.7%
5Eastern Bank4.1%
6TD Bank, National Association3.1%
7Rockland Trust Company2.7%
8Beacon Bank and Trust1.3%
11Cambridge Savings Bank0.9%

9 of 100 institutions shown. $580.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.9% share, 21 offices, #11 of 100

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Boston-Cambridge-Newton, MA-NH metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 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

Get an email when Cambridge Savings Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.