Compared with Massachusetts
9 of 17
compared fees are above the median.
6 below, 2 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
39th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 17 compared; 6 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B 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. | 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
Service charges were 1.7% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (39th 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 $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.
9 of 17 compared published fees sit above the Massachusetts median; 6 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
Compared at $5, the middle of its prices
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
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 4.8% from Q3 2025 to Q2 2026, to $909K. Its share of revenue, 1.7%, is below the 2.2% median for banks with $1B to $10B in assets.
$909K
Cambridge Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $5 to $25; we compare the highest. Monthly maintenance: Listed at $1 to $20; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Cambridge Savings 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 | $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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Cambridge 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 Cambridge Savings Bank by share.
Amounts from Cambridge Savings 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 hour
per item
per item
per item
per item
per item
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Service Charge | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (OD) | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid Item | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds (NSF)/Uncollected | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF/UCF/EFT | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned items | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Re-Issue Card: Branch | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Re-Issue Card: Expedited Mail (domestic) | $25Below the U.S. middle 50% ($30 to $50 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing (per wire transfer) | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming (per wire transfer) | $12Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wire Transfers Outgoing (per wire transfer) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Foreign Wire Transfers Incoming (per wire transfer) | $12Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Treasurer’s Checks | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian Check Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Canadian Check Collection (per item, plus other bank’s fees) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Collection | $40Above the U.S. middle 50% ($10 to $26 nationally) | 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) | $30Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Levy Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Traditional and Roth IRA Plan Annual Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Other Fees | |||
| Copy of any Document | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Cambridge Savings Bank operates, and what regulators and customers have on file.
Branch footprint
21 offices in 1 state, $5.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 21 | $5.4B |
Boston-Cambridge-Newton, MA-NH
0.9% of bank deposits, #11 of 100, up 0.1 points 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, Cambridge Savings Bank holds 0.9% of bank deposits, #11 of 100, with 21 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: 0.9% 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.
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 1, 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
We check once a day and send one email covering every change.