Compared with Massachusetts
6 of 13
compared fees are above the median.
4 below, 3 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
33rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 13 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Commonwealth Co-operative 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 1,681 banks with under $300M 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. | Commonwealth Co-operative Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.5% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (33rd 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 $21K in Q2 2026, 4.5% below the same quarter a year earlier ($22K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 13 compared published fees sit above the Massachusetts median; 4 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.
Monthly Maintenance
Basic Checking $5 · Premier Checking $10 · Elite Checking $15
Compared at $10, the middle of its prices
NSF / Returned Item
Compared at $17.50, the middle of its prices
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 8.7% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 1.5%, is below the 2.1% median for banks with under $300M in assets.
$21K
Commonwealth Co-operative BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
Commonwealth Co-operative Bank · $205M 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 |
|---|---|---|---|---|---|---|---|
| Commonwealth Co-operative Bank(this institution) | Hyde Park, MA | $205M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Badger Bank | Fort Atkinson, WI | $206M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank 21 | Carrollton, MO | $202M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Delight | Delight, AR | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carroll County Trust Company of Carrollton, Missouri | Carrollton, MO | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community State Bank | Lamar, CO | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Elkton Bank & Trust Company | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| ESB Bank | Caledonia, MN | $209M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank & Trust | Burlington, IA | $208M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Cahawba Bank | Selma, AL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First FSB of Mascoutah | Mascoutah, IL | $207M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Halstead Bank | Halstead, KS | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Horizon Financial Bank | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kendall Bank | Overland Park, KS | $211M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Minnstar Bank National Association | Lake Crystal, MN | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Paper City Savings Bank, S.A. | Wisconsin Rapids, WI | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesTrust Bank | Hamilton, AL | $201M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Hills Community Bank | Leesburg, OH | $210M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Dryden | Dryden, NY | $204M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Groton | Groton, NY | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Jefferson Bank | Greenville, MS | $211M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Portage County Bank | Almond, WI | $210M | 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $6.24 among 14 publishing peers.
Its three checking prices are $5, $10 and $15.
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 23, 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 23, 2026. Total assets from FDIC and NCUA records.
Call reports for Commonwealth Co-operative Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $21K | $0 | 0.0% |
| Q1 2026 | $21K | −$1K | −4.5% |
| Q4 2025 | $22K | −$1K | −4.3% |
| Q3 2025 | $23K | +$1K | +4.5% |
| Q2 2025 | $22K | $0 | 0.0% |
| Q1 2025 | $22K | −$6K | −21.4% |
| Q4 2024 | $28K | +$2K | +7.7% |
| Q3 2024 | $26K | +$1K | +4.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Commonwealth Co-operative Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Commonwealth Co-operative Bank by share.
Amounts from Commonwealth Co-operative 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 · Account Research Per Hour | $35.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Elite Checking Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account (if closed within 6 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (per month) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Per Hour | $35Not compared: Charged per hour; comparison unavailable | per hour | Account Research Per Hour | $35.00 |
Overdraft & NSF | |||
| Insufficient Funds Check Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned NSF 18/65 | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Treasurer's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Checking Account Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Money Order Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Treasurer's Check Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Item | $6.50Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 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 Commonwealth Co-operative Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $140.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $140.6M |
Boston-Cambridge-Newton, MA-NH
0% of bank deposits, #75 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, Commonwealth Co-operative Bank holds 0% of bank deposits, #75 of 100, with 2 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, 2 offices, #75 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.