Compared with New York
5 of 20
compared fees are above the median.
10 below, 5 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
Not reported
Peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 20 compared; 10 below, 5 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for WSB Municipal 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 1,682 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. | WSB Municipal Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
5 of 20 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.
Non-Network ATM
Compared at $0.75, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $35, the middle of its prices
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 was $0 in Q2 2026.
$0
WSB Municipal BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $1; we compare the midpoint.
WSB Municipal Bank · $152M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| WSB Municipal Bank(this institution) | Watertown, NY | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 1st Federal Savings Bank of SC, Inc. | Walterboro, SC | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Pensacola | Pensacola, FL | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Salem | Salem, MO | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bluff View Bank | Galesville, WI | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Boone Bank & Trust Co. | Boone, IA | $157M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carmine State Bank | Carmine, TX | $149M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Savings Bank | Spillville, IA | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank | Algona, IA | $150M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Trust & Savings Bank | Earling, IA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank and Trust of Memphis | Memphis, TX | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fowler State Bank | Fowler, CO | $155M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Missouri Bank | Bolivar, MO | $151M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| GSL Savings Bank | Guttenberg, NJ | $151M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Guaranty Bank Inc. | Williamson, WV | $152M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hiawatha Bank and Trust Company | Hiawatha, IA | $157M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hyden Citizens Bank | Hyden, KY | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Savings Bank | Miamitown, OH | $148M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakwood Bank | Pigeon Falls, WI | $156M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Bank of Wyaconda, Missouri | Kahoka, MO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Bank | Fayetteville, AR | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Schuyler Savings Bank | Kearny, NJ | $151M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sweet Water State Bank | Sweet Water, AL | $150M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Bank of Protection | Protection, KS | $154M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Sacramento Deposit Bank | Sacramento, KY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Twin City Bank | Longview, WA | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 9 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
WSB Municipal Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 WSB Municipal 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 | $0 | $0 | |
| Q1 2026 | $0 | $0 | |
| Q4 2025 | $0 | $0 | |
| Q3 2025 | $0 | $0 | |
| Q2 2025 | $0 | $0 | |
| Q1 2025 | $0 | $0 | |
| Q4 2024 | $0 | $0 | |
| Q3 2024 | $0 | $0 |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,682 reported a share above 0% and are counted, WSB Municipal Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to WSB Municipal Bank by share.
Amounts from WSB Municipal Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per transaction
per transaction
per item
per page
per item
per item
per item
per year
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee - For accounts opened less than 180 days | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee - Monthly fee assessed to Checking Accounts after one year of inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Returned Mail Fee If no change of address provided | $5Below the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF / Returned Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Funds Transfer Fees processed at any non-proprietary ATM not owned by WSB | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM Withdrawal Fees processed at any non-proprietary ATM not owned by WSB | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement ATM/Debit Card Money Orders Issued to active account customers only | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Cutoff time for outgoing wires is 11:00 a.m. | $45Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (outgoing domestic) Account Customers Only. Cutoff time for outgoing wires is 3:30 p.m. | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (outgoing international) Account Customers Only. Cutoff time for outgoing wires is 11:00 a.m. | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check - Issued to active account customers only | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders - Money Orders issued to active account customers only | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Order | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Check Cashing Fee - For non-customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Canadian Check Processing Fee Customers only | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Image CD | $15Not compared: CD/IRA fee | Not stated | None |
Digital & Electronic | |||
| ACH Origination (per batch) | $2.50Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination (per item) | $0.18Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination Security Administration (annually) | $250Not compared: Annual charge, not per item | per year | None |
| ACH Origination Tokens (First four tokens are free) | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination - Item Returned Unpaid | $10Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Digital Banking Bill Payment Inactivity Fee Monthly fee if unused for twelve consecutive months | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposit Item Returned Unpaid | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Processing Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account Research - Reproduction of checks, statements and duplicate copies of documents requested | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
Nov 4, 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 WSB Municipal Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $98.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $98.5M |
Watertown-Fort Drum, NY
4.6% of bank deposits, #5 of 8, down 1.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Watertown Savings Bank | 36.5% |
| Community Bank, National Association | 31.3% |
| Carthage Savings and Loan, National Association | 11.2% |
| KeyBank National Association | 10.7% |
| Gouverneur Savings and Loan Association | 4.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Watertown-Fort Drum, NY, WSB Municipal Bank holds 4.6% of bank deposits, #5 of 8, with 1 office.
41 offices of 14 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.
$2.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.6% share, 1 office, #5 of 8
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
12 offices of 6 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.
Fee change alerts
We check once a day and send one email covering every change.