20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 7, 2026.
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 7, 2026
Call-report figures are for Middlesex 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. | Middlesex Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $570K in Q2 2026, 6.7% above the same quarter a year earlier ($534K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $17, the middle of its prices
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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 4.2% from Q3 2025 to Q2 2026, to $570K.
$570K
Middlesex Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Middlesex Savings Bank · $6.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Middlesex Savings Bank(this institution) | Natick, MA | $6.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bradesco Bank | Coral Gables, FL | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CFG Bank | Lutherville, MD | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First International Bank & Trust | Watford City, ND | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Internet Bank of Indiana | Fishers, IN | $5.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| Great Southern Bank | Reeds Spring, MO | $5.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Institution for Savings in Newburyport and Its Vicinity | Newburyport, MA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Mercantile Bank | Grand Rapids, MI | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Orrstown Bank | Harrisburg, PA | $5.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Sacramento, CA | $6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shore United Bank, National Association | Easton, MD | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $17, the middle of its four prices, against a peer median of $10 among 16 publishing peers.
Its four checking prices are $0, $15, $19 and $29.
$17 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 4, 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 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Middlesex 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 | $570K | +$14K | +2.5% |
| Q1 2026 | $556K | −$17K | −3.0% |
| Q4 2025 | $573K | +$26K | +4.8% |
| Q3 2025 | $547K | +$13K | +2.4% |
| Q2 2025 | $534K | +$17K | +3.3% |
| Q1 2025 | $517K | +$14K | +2.8% |
| Q4 2024 | $503K | −$30K | −5.6% |
| Q3 2024 | $533K | +$20K | +3.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Middlesex Savings Bank’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Charge | $29 | per month | None |
| Monthly Maintenance Charge | No charge | per month | None |
| Monthly Maintenance Charge | $19 | per month | None |
| NOW Checking Monthly Maintenance Charge | $15 | per month | None |
| Abandoned Property Fee | $25 | Not stated | None |
| Account Inactivity Fee | $6 | per month | None |
| FREEDOM Gold®: Account Inactivity Fee | $5 | per month | None |
| History/Check Clearing Inquiry | $3 | per item | Per request |
| Reconciliation/Research | $30 | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Charge | $35 | Not stated | None |
| OD Protection Transfer | $6 | Not stated | None |
| Overdraft Transfer Fee | $6 | per item | Overdraft Protection Line of Credit |
ATM & Card | |||
| ATM Service Charge | $3 | Not stated | None |
| Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $27 | Not stated | None |
| Outgoing Foreign Wire Fee (U.S. Dollars/ Foreign Funds) | $45 | Not stated | None |
| Incoming Domestic / Foreign Wire Fee (1) (3) | $20 | Not stated | None |
Check Services | |||
| Treasurer’s Checks | $8 | per item | None |
| Money Orders | $5 | per item | None |
| FREEDOM Platinum: Stop Payment | $30 | Not stated | None |
| Stop Payment Fee | $32 | Not stated | None |
| Temporary Check | $1 | per item | None |
| Canadian Check in U.S. or CAD Funds | $15 | per item | None |
| Check Copy | $5 | per item | None |
Digital & Electronic | |||
| Bill Payment Services | No charge | Not stated | None |
Account Services | |||
| 1 x 4.5 up to 2 x 5 | $40 | per year | None |
| Safe Deposit Box 1 x 4.5 up to 2 x 5 | $40 | per year | None |
| Safe Deposit Box 10 x 10 | $215 | per item | None |
| Safe Deposit Box 10 x 10 | $215 | per year | None |
| Safe Deposit Box 2.5 x 5 | $45 | per year | None |
| Safe Deposit Box 3 x 10 | $95 | per year | None |
| Safe Deposit Box 3 x 10 | $95 | per item | None |
| Safe Deposit Box 3 x 5 | $55 | per year | None |
| Safe Deposit Box 3 x 5 | $55 | per item | None |
| Safe Deposit Box 4 x 10 | $100 | per item | None |
| Safe Deposit Box 4 x 10 | $100 | per year | None |
| Safe Deposit Box 4 x 5 | $60 | per year | None |
| Safe Deposit Box 4 x 5 | $60 | per item | None |
| Safe Deposit Box 5 x 10 | $135 | per item | None |
| Safe Deposit Box 5 x 10 | $135 | per year | None |
| Safe Deposit Box 5 x 5 | $75 | per item | None |
| Safe Deposit Box 5 x 5 | $75 | per year | None |
| Safe Deposit Box 6 x 10 | $135 | per item | None |
| Safe Deposit Box 7 x 10 | $135 | per item | None |
| Safe Deposit Box 8 x 10 | $155 | per item | None |
| Safe Deposit Box 8 x 10 | $155 | per year | None |
| Safe Deposit Box Key (Lost) | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Charge Assessment | $15Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box Late Fee | $15Not compared: Box drilling or key fee | Not stated | None |
| SAFE DEPOSIT BOXES: 2.5 x 5 | $45 | per item | None |
| Safe Deposit Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Tax Levy (per account) | $75 | Not stated | None |
| Tax Levy Fee (per account) | $110 | Not stated | None |
Other Fees | |||
| Statement Copy | $5 | per item | None |
Oct 7, 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 Middlesex Savings Bank operates, and what regulators and customers have on file.
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
We check once a day and send one email covering every change.