Community Savings

Headquarters: Caldwell, Ohio
Charter: Bank
Assets: $284.7M
Fed district: Cleveland
Regulator: OCC
Holding company: Double Bottomline Corp.

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

Source: its fee schedule, read Oct 10, 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 Oct 10, 2026

How these figures are measured

Call-report figures are for Community Savings 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.	Community Savings's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Community Savings (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 $16K in Q2 2026, about level with the same quarter a year earlier ($16K).
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.

Overdraft (OD)
Community Savings: $35
Community Savings: $35
U.S. median: no median
NSF / Returned Item
Community Savings: $35
Community Savings: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Community Savings: $25
Community Savings: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 was about level from Q3 2025 to Q2 2026, at $16K.

Service-charge income, Q2 2026

$16K

$16KQ3 2025

$15KQ4 2025

$14KQ1 2026

$16KQ2 2026

Against the median

Community SavingsMedian

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

Community Savings · $285M 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.

Banks only
$277M to $292M in assets
Headquartered in 17 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
Community Savings(this institution)	Caldwell, OH	$285M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
22nd State Banking Company	Mobile, AL	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Federated States of Micronesia	Kolonia, FM	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of The Rockies	Helena, MT	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Wolcott	Wolcott, IN	$280M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens State Bank of Roseau	Roseau, MN	$291M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Eatonton, GA	$290M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Bank	Greenwood, AR	$289M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Valdosta	Valdosta, GA	$278M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Kentucky	Frankfort, KY	$283M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Whitney Bank and Trust	Atlantic, IA	$288M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNB Picayune Bank	Picayune, MS	$282M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Bank for Savings, FSB	Hattiesburg, MS	$280M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nantahala Bank & Trust Company	Franklin, NC	$289M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Old Glory Bank	Elmore City, OK	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Bank	Sergeant Bluff, IA	$283M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Reliance State Bank	Story City, IA	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sawyer Savings Bank	Saugerties, NY	$285M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
State Savings Bank	West Des Moines, IA	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Success Bank	Bloomfield, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Nicholasville, KY	$283M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers State Bank of Waupaca	Waupaca, WI	$279M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Fort Jennings State Bank	Fort Jennings, OH	$286M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United State Bank	Lewistown, MO	$290M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Unity Bank of Mississippi	Holly Springs, MS	$282M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Victory Bank	Lubbock, TX	$285M	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 · 20 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Community Savings does not publish a monthly maintenance fee in the index.

The peer median is $7.13 among 20 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community Savings does not publish a monthly maintenance fee, so it is not on this chart.

Community SavingsPeer (equal prices stack)Peer medianInclude $22.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 Community Savings (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $16K
vs prior quarter: +$2K+14.3%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Community Savings (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	$16K	+$2K	+14.3%
Q1 2026	$14K	−$1K	−6.7%
Q4 2025	$15K	−$1K	−6.3%
Q3 2025	$16K	$0	0.0%
Q2 2025	$16K	+$2K	+14.3%
Q1 2025	$14K	−$8K	−36.4%
Q4 2024	$22K	+$6K	+37.5%
Q3 2024	$16K	+$1K	+6.7%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closing Fee$10
Dormant Account (Monthly)$5
per month
Account Balancing & Research (Per Hour – First ½ Hour Free!)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
per month
Printed Statement Fee$2

Overdraft & NSF

Overdraft / Insufficient Funds$35
per item
Insufficient Funds Charge$35
Overdraft Protection (Per Item)$5
per item

ATM & Card

ATM / Debit Card Replacement$10
Debit Card – Expedited Shipping$100

Wire Transfers

Wire Transfers: Domestic – Outgoing$25
Wire Transfers – Domestic Incoming$15
Wire Transfers: Domestic – Incoming$20
Wire Transfers: Foreign$50
Wire Transfers – Foreign Incoming$50

Check Services

Cashier’s Check$5
Stop Payment (Per Item)$35
per item
Stop Payment Request – ACH or Check$35
Counter Checks (3 Checks Per Page)$1
Not compared: Charged per page; comparison unavailable
per page
Counter Checks (Temporary checks)$1
Check Cashing - Non-Customer – On-Us Check$5
Check Copy (Per Check)$1
per item

Cash & Deposit

Return Check Fee$10
Return Deposit Item (Per Item)$10
per item
Night Deposit Key – Additional$5
Night Deposit Key: First KeyNo charge

Account Services

Notary Service (Non-Customers)$5
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee
Safe Deposit Box Late Payment Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$15
Not compared: Box drilling or key fee
IRS Tax Levy Processing (Per Levy)$75
per item
Legal Processing Fee$75

Other Fees

Courier Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee	$10	Not stated	None
Dormant Account (Monthly)	$5	per month	None
Account Balancing & Research (Per Hour – First ½ Hour Free!)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	per month	None
Printed Statement Fee	$2	Not stated	None
Overdraft & NSF
Overdraft / Insufficient Funds	$35	per item	None
Insufficient Funds Charge	$35	Not stated	None
Overdraft Protection (Per Item)	$5	per item	None
ATM & Card
ATM / Debit Card Replacement	$10	Not stated	None
Debit Card – Expedited Shipping	$100	Not stated	None
Wire Transfers
Wire Transfers: Domestic – Outgoing	$25	Not stated	None
Wire Transfers – Domestic Incoming	$15	Not stated	None
Wire Transfers: Domestic – Incoming	$20	Not stated	None
Wire Transfers: Foreign	$50	Not stated	None
Wire Transfers – Foreign Incoming	$50	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment (Per Item)	$35	per item	None
Stop Payment Request – ACH or Check	$35	Not stated	None
Counter Checks (3 Checks Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Counter Checks (Temporary checks)	$1	Not stated	None
Check Cashing - Non-Customer – On-Us Check	$5	Not stated	None
Check Copy (Per Check)	$1	per item	None
Cash & Deposit
Return Check Fee	$10	Not stated	None
Return Deposit Item (Per Item)	$10	per item	None
Night Deposit Key – Additional	$5	Not stated	None
Night Deposit Key: First Key	No charge	Not stated	None
Account Services
Notary Service (Non-Customers)	$5	Not stated	None
Safe Deposit Box Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$15Not compared: Box drilling or key fee	Not stated	None
IRS Tax Levy Processing (Per Levy)	$75	per item	None
Legal Processing Fee	$75	Not stated	None
Other Fees
Courier Fee	$25	Not stated	None

Correct a fee source

Oct 10, 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 Community Savings operates, and what regulators and customers have on file.

Enforcement actions

1 past action

Past

Formal AgreementJanuary 22, 2013
OCC. Ended March 19, 2015
Allowance for Losses (ALLL / ACL); Appraisals; Asset Quality; Audit; Capital; General IT Controls; GLBA (12 CFR 30, Appx B); Information Technology; Internal Audit; Lending Issues; Loan Review; Other Lending Deficiencies; Problem Loan Identification

Source: public enforcement action lists from the OCC and 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 Community Savings's nsf / returned item changes in our data

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