Compared with Massachusetts
8 of 16
compared fees are above the median.
3 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
54th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 16 compared; 3 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Charles River 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. | Charles River 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 2.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (54th 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 $66K in Q2 2026, 1.5% above the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 16 compared published fees sit above the Massachusetts median; 3 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.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
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 fell 1.5% from Q3 2025 to Q2 2026, to $66K. Its share of revenue, 2.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$66K
Charles River 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.
Charles River Bank · $336M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Charles River Bank(this institution) | Medway, MA | $336M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alamosa State Bank | Alamosa, CO | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Alma | Alma, WI | $340M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bath State Bank | Bath, IN | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens First Bank | Viroqua, WI | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Savings Bank | Bogalusa, LA | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank of Raymore | Raymore, MO | $347M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cumberland Federal Bank, FSB | Cumberland, WI | $342M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Douglas National Bank | Douglas, GA | $327M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastern Savings Bank, FSB | Hunt Valley, MD | $336M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of St. Clair | Saint Clair, MO | $343M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Alto Pass, Ill. | Alto Pass, IL | $342M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of Hereford | Hereford, TX | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Lonoke, AR | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kaw Valley Bank | Topeka, KS | $340M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kentucky Farmers Bank Corporation | Catlettsburg, KY | $328M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern State Bank | Ashland, WI | $331M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| O'Bannon Banking Company | Buffalo, MO | $333M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| PCSB Bank | Clarinda, IA | $326M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank Company | Beverly, OH | $335M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Security Bank | Beaver, OK | $335M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The National Bank of Andrews | Andrews, TX | $341M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The State Bank of Faribault | Faribault, MN | $329M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Traditions First Bank | Erin, TN | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ultima Bank Minnesota | Winger, MN | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Waumandee State Bank | Waumandee, WI | $345M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.75 among 12 publishing peers.
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
Charles River Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 Charles River 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 | $66K | +$2K | +3.1% |
| Q1 2026 | $64K | −$6K | −8.6% |
| Q4 2025 | $70K | +$3K | +4.5% |
| Q3 2025 | $67K | +$2K | +3.1% |
| Q2 2025 | $65K | +$2K | +3.2% |
| Q1 2025 | $63K | −$7K | −10.0% |
| Q4 2024 | $70K | −$6K | −7.9% |
| Q3 2024 | $76K | +$12K | +18.8% |
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, Charles River Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Charles River Bank by share.
Amounts from Charles River Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheatment Fee (Abandoned Property) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive or Dormant Account (Monthly, After 365 Days of Inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Non-sufficient Funds (NSF) or Overdraft Fee (Paid or Unpaid, Per Debit Item) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Inquiry (at non-CRB ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawal (at non-CRB ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| International ATM Fee | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Replacement ATM Card/Debit Mastercard | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Domestic Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: Foreign Outgoing | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer: Foreign Incoming | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Treasurers Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $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 |
| Copy of Item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item: Personal Account | $6.84Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Night Deposit Key Replacement | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Box Drilling | $50Not compared: Box drilling or key fee | Not stated | None |
| Late Fee (Monthly) | $6Not compared: Monthly charge, not annual | per month | None |
| Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $75Above 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 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6 x 10 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levies or Attachments | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
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 Charles River Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $312.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $256.3M | |
| 1 | $56.3M |
Boston-Cambridge-Newton, MA-NH
0% of bank deposits, #62 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, Charles River Bank holds 0% of bank deposits, #62 of 100, with 3 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, 3 offices, #62 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.