Compared with Connecticut
18 of 21
compared fees are above the median.
1 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
92nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Connecticut median
of 21 compared; 1 below, 2 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for The National Iron 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 Connecticut median | Published fees above the Connecticut median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The National Iron Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (92nd 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 $150K in Q2 2026, 3.4% above the same quarter a year earlier ($145K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
18 of 21 compared published fees sit above the Connecticut median; 1 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 Connecticut medians for fees published by banks and credit unions.
Monthly Maintenance
Non-Network ATM
Compared at $1.63, the middle of its prices
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Connecticut, 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 4.5% from Q3 2025 to Q2 2026, to $150K. Its share of revenue, 5.8%, is above the 2.1% median for banks with $300M to $1B in assets.
$150K
The National Iron 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. *Non-network ATM: Listed at $0.25 to $3; we compare the midpoint.
The National Iron Bank · $318M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The National Iron Bank(this institution) | Salisbury, CT | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 1NB Bank | Carlyle, IL | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Abacus Federal Savings Bank | New York, NY | $321M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Coushatta | Coushatta, LA | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Yazoo City | Yazoo City, MS | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centera Bank | Sublette, KS | $318M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| City Bank & Trust Co. | Lincoln, NE | $323M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Longview, TX | $315M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Forest Park National Bank and Trust Company | Forest Park, IL | $322M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gateway Bank | Mendota Heights, MN | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank | Topeka, KS | $325M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Horatio State Bank | Horatio, AR | $312M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KCB Bank | Lakin, KS | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People's Bank and Trust Company of Pickett County | Byrdstown, TN | $319M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| PEOPLES BANK | Sheridan, AR | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Marshalltown, IA | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Profile Bank | Rochester, NH | $317M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Seneca Savings Bank, National Association | Baldwinsville, NY | $312M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sewickley Savings Bank | Sewickley, PA | $316M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Bank of Graymont | Graymont, IL | $313M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Payne County Bank | Perkins, OK | $313M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Bank | Brownstown, IN | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wray State Bank | Wray, CO | $312M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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
Its published price is $12.50, against a peer median of $7.50 among 17 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 Oct 21, 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 21, 2026. Total assets from FDIC and NCUA records.
Call reports for The National Iron 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 | $150K | +$12K | +8.7% |
| Q1 2026 | $138K | −$10K | −6.8% |
| Q4 2025 | $148K | −$9K | −5.7% |
| Q3 2025 | $157K | +$12K | +8.3% |
| Q2 2025 | $145K | +$10K | +7.4% |
| Q1 2025 | $135K | +$1K | +0.7% |
| Q4 2024 | $134K | −$6K | −4.3% |
| Q3 2024 | $140K | +$3K | +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, The National Iron Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The National Iron Bank by share.
Amounts from The National Iron Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per item
per page
per statement
per statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance service charge fee | $12.50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge fee (daily balance falls below $1,000.00) | $16.50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Accounts Closed Within 90 Days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Accounts Closed Within 90 Days | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive/Dormant Accounts (12/18 Months) | $6.75Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive/Dormant Accounts (12/18 Months) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ITEMS DRAWN AGAINST INSUFFICIENT FUNDS (PAID OR | ESCHEAT FEE | $65Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| PAPER STATEMENT DELIVERY (e-Statement free) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| PAPER STATEMENT DELIVERY (e-Statement free) | $6Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Money Market Excess Transaction Fee | $22Above the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
ATM & Card | |||
| ATM BALANCE INQUIRY (Other Locations) | $0.25Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| MASTERMONEY CARD/ATM FEES (Other Locations) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM Card | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement HSA Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Mastermoney Debit Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Pickup/Rush Delivery | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wires Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| INCOMING WIRE TRANSFER Domestic | $16Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| INCOMING WIRE TRANSFER International | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Checks | $9Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Orders | $6Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $37Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments | $34Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks per Sheet | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment Withdrawals | $60Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill Safe Deposit Box | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Safe Deposit Box Key | $60Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| Levies or Garnishments Processed | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA HSA Close-Out Transfer/Rollover | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| FAX FOR CUSTOMERS, per page | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| PHOTO COPIES, per page | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| PHOTOCOPIES (per page) | $5Not compared: Charged per page; comparison unavailable | per page | None |
| STATEMENT PRINTOUT/COPY (per statement) | $6Not compared: Charged per statement; comparison unavailable | per statement | None |
| STATEMENT PRINTOUT/COPY (per statement) | $6Not compared: Charged per statement; comparison unavailable | per statement | None |
Oct 17, 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 The National Iron Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $291.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $291.4M |
Largest competitors nearby
Local market: Northwest Hills Planning Region county, CT, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| The Torrington Savings Bank | 21.6% |
| Northwest Community Bank | 16.7% |
| Union Savings Bank | 13.7% |
| Webster Bank, National Association | 12.9% |
| NBT Bank, National Association | 11.8% |
This bank holds 8.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
1 past action
Past
OCC. Ended September 17, 2025
Asset Quality; Board / Management Oversight; BSA Internal Controls; BSA Officer; BSA Violation Cited; BSA/AML; Capital; Concentration Risk Management; Customer/Enhanced Due Diligence (CDD/EDD); Lending Issues; Loan Review; Other Lending Deficiencies; Problem Loan Identification; SAR/CTR Monitoring/Filing Issue; Strategic Planning
Source: public enforcement action lists from the OCC and 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.