Compared with New York
1 of 17
compared fees are above the median.
10 below, 6 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
9th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 17 compared; 10 below, 6 about the same
See the feesFee schedule read Oct 2, 2026
Call-report figures are for First Federal Savings of Middletown 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 New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Federal Savings of Middletown's published fee schedule; Bank Fee Index medians | Current schedule | Oct 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (9th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
1 of 17 compared published fees sit above the New York median; 10 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 New York medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $20, the middle of its prices
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 50% from Q3 2025 to Q2 2026, to $12K. Its share of revenue, 0.5%, is below the 2.1% median for banks with under $300M in assets.
$12K
First Federal Savings of MiddletownMedian
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 $3 to $7; we compare the midpoint.
First Federal Savings of Middletown · $188M 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 |
|---|---|---|---|---|---|---|---|
| First Federal Savings of Middletown(this institution) | Middletown, NY | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Savings Bank and Trust Company | Nashville, TN | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Topeka, KS | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers State Bank | West Salem, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings Bank of Champaign Urbana | Champaign, IL | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Socorro, NM | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Bank | Paris, TX | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pine River State Bank | Pine River, MN | $185M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prairie Community Bank | Marengo, IL | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Bement | Bement, IL | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Southwest Missouri | Springfield, MO | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Raymond | Raymond, IL | $187M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Home National Bank of Thorntown | Thorntown, IN | $186M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Republic Bank | Elkhorn, NE | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Central Bank | Liberty Township, OH | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walden Mutual Bank | Concord, NH | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wrentham Co-operative Bank | Wrentham, MA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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 $5, the middle of its two prices, against a peer median of $7.49 among 16 publishing peers.
Its two checking prices are $3 and $7.
$5 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 2, 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First Federal Savings of Middletown (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 | $12K | −$1K | −7.7% |
| Q1 2026 | $13K | +$8K | +160.0% |
| Q4 2025 | $5K | −$3K | −37.5% |
| Q3 2025 | $8K | +$89K | |
| Q2 2025 | -$81K | −$189K | |
| Q1 2025 | $108K | +$55K | +103.8% |
| Q4 2024 | $53K | +$44K | +488.9% |
| Q3 2024 | $9K | +$1K | +12.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, First Federal Savings of Middletown left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Federal Savings of Middletown by share.
Amounts from First Federal Savings of Middletown’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure Fee (within 90 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity fee (I year without activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Transaction Fee (M/M, Passbook & Statement Savings) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Mail via USPS | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft for each Debit or Check Paid (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee: 1st Party Checks | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee: 2nd Party Checks | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee: Uncollected Funds | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfers | $10Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Certified Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order fee for Customers | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order fee for Non-Customers | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (All Items) | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Over the Counter Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Foreign Check Collection Fee | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of a check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH or Electronic Return Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| ACH or Electronic Return Fee | $20Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Check Returned Unpaid | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Deposited Check Returned Unpaid (audience not stated, treated as personal) | $17Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy Fees | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 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 First Federal Savings of Middletown operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $112.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $112.3M |
Kiryas Joel-Poughkeepsie-Newburgh, NY
0.6% of bank deposits, #21 of 26.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.5% |
| Citizens Bank, National Association | 12.4% |
| TD Bank, National Association | 10% |
| Manufacturers and Traders Trust Company | 9% |
| KeyBank National Association | 6.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kiryas Joel-Poughkeepsie-Newburgh, NY, First Federal Savings of Middletown holds 0.6% of bank deposits, #21 of 26, with 1 office.
192 offices of 33 institutions shown.
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 26 institutions shown. $19.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 0.6% share, 1 office, #21 of 26
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
44 offices of 7 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 OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, 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.