Schuyler Savings Bank

Headquarters: Kearny, New Jersey
Charter: Bank
Assets: $151.2M
Fed district: New York
Regulator: FDIC

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

Call-report figures are for Schuyler 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.	Schuyler Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Schuyler Savings Bank (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 $7K in Q2 2026, 13% below the same quarter a year earlier ($8K).
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.

Monthly Maintenance
Compared at $3.50, the middle of its prices
Schuyler Savings Bank: $3 to $4
Schuyler Savings Bank: $3 to $4
U.S. median: no median
NSF / Returned Item
Schuyler Savings Bank: $30
Schuyler Savings Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Schuyler Savings Bank: $20
Schuyler Savings Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York 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).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 fell 22% from Q3 2025 to Q2 2026, to $7K.

Service-charge income, Q2 2026

$7K

$9KQ3 2025

$8KQ4 2025

$8KQ1 2026

$7KQ2 2026

Against the median

Schuyler Savings BankMedian

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

Schuyler Savings Bank · $151M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$146M to $155M in assets
Headquartered in 18 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
Schuyler Savings Bank(this institution)	Kearny, NJ	$151M	Publishes Monthly maintenance	Out-of-network ATM not published	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
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
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
Millbury National Bank	Millbury, MA	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Security Bank of Southwest Missouri	Cassville, MO	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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 First State Bank of Rosemount	Rosemount, MN	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
WSB Municipal Bank	Watertown, NY	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.75 (52%) below the median of similar-sized banks.

Compared at $3.50, the middle of its two prices, against a peer median of $7.25 among 8 publishing peers.

Its two checking prices are $3 and $4.

$3.50 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

Schuyler Savings Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Schuyler Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $7K
vs prior quarter: −$1K−12.5%; from Q1 2026
vs a year earlier: −$1K−12.5%; from Q2 2025
vs start of range: −$1K−12.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Schuyler Savings Bank (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	$7K	−$1K	−12.5%
Q1 2026	$8K	$0	0.0%
Q4 2025	$8K	−$1K	−11.1%
Q3 2025	$9K	+$1K	+12.5%
Q2 2025	$8K	+$1K	+14.3%
Q1 2025	$7K	−$1K	−12.5%
Q4 2024	$8K	$0	0.0%
Q3 2024	$8K	+$1K	+14.3%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Community Checking Monthly fee$3
per month
Personal Checking Monthly fee$4
per month · No Charge When you maintain a daily balance of $100 throughout the month otherwise, there is a $4.00 monthly fee
Early Club Closeout$10
Tran. Account Closed (< 6 months)$5
Dormant Accounts - per month$4
per month
Research Time and Reconcilement (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Checks (NSF, Uncollected, Postdated)$30

ATM & Card

ATM Fees - Lost ATM Card$5

Wire Transfers

Wire Transfer - Domestic - outgoing$20
Wire Transfer - International - outgoing$30
Wire Transfer - Domestic/International - incoming$15

Check Services

Cashiers Check (made payable to other than account holder)$5
Money Order - depositor$1
Money Order - non depositor$2
Cashiers Check - stop payment$20
Money Order - stop payment$20
Check Photocopies$3
Copy of Money Order, Cashiers Checks or 1099 Form$5

Account Services

Notary Service - Customers OnlyNo charge
Legal items, levies, liens, govt. & court orders etc$60
Account Verification Letter & other non-legal letters$20

Other Fees

Fax Service - Incoming Local$2
Fax Service - Outgoing Local - Each Additional Page$1
per item
Fax Service - Outgoing Local - First Page$4
Photocopy of Previous Statements$5
Statement Copies$3

Fee	Amount	Basis	Note
Account Maintenance
Community Checking Monthly fee	$3	per month	None
Personal Checking Monthly fee	$4	per month	No Charge When you maintain a daily balance of $100 throughout the month otherwise, there is a $4.00 monthly fee
Early Club Closeout	$10	Not stated	None
Tran. Account Closed (< 6 months)	$5	Not stated	None
Dormant Accounts - per month	$4	per month	None
Research Time and Reconcilement (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Checks (NSF, Uncollected, Postdated)	$30	Not stated	None
ATM & Card
ATM Fees - Lost ATM Card	$5	Not stated	None
Wire Transfers
Wire Transfer - Domestic - outgoing	$20	Not stated	None
Wire Transfer - International - outgoing	$30	Not stated	None
Wire Transfer - Domestic/International - incoming	$15	Not stated	None
Check Services
Cashiers Check (made payable to other than account holder)	$5	Not stated	None
Money Order - depositor	$1	Not stated	None
Money Order - non depositor	$2	Not stated	None
Cashiers Check - stop payment	$20	Not stated	None
Money Order - stop payment	$20	Not stated	None
Check Photocopies	$3	Not stated	None
Copy of Money Order, Cashiers Checks or 1099 Form	$5	Not stated	None
Account Services
Notary Service - Customers Only	No charge	Not stated	None
Legal items, levies, liens, govt. & court orders etc	$60	Not stated	None
Account Verification Letter & other non-legal letters	$20	Not stated	None
Other Fees
Fax Service - Incoming Local	$2	Not stated	None
Fax Service - Outgoing Local - Each Additional Page	$1	per item	None
Fax Service - Outgoing Local - First Page	$4	Not stated	None
Photocopy of Previous Statements	$5	Not stated	None
Statement Copies	$3	Not stated	None

Correct a fee source

Oct 15, 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 Schuyler Savings Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the New Jersey Department of Banking and Insurance

The New Jersey Department of Banking and Insurance has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the New Jersey Department of Banking and Insurance, 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 Schuyler Savings Bank's nsf / returned item changes in our data

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