Compared with New Jersey
2 of 16
compared fees are above the median.
10 below, 4 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
6th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 16 compared; 10 below, 4 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Monroe 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) 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 Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Monroe Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.4% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (6th 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 $4K in Q2 2026, 33% above the same quarter a year earlier ($3K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 16 compared published fees sit above the New Jersey 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 Jersey medians for fees published by banks and credit unions.
Monthly Maintenance
55+ Interest Checking
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 20% from Q3 2025 to Q2 2026, to $4K. Its share of revenue, 0.4%, is below the 2.1% median for banks with under $300M in assets.
$4K
Monroe Savings 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.
Monroe Savings Bank · $114M 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 |
|---|---|---|---|---|---|---|---|
| Monroe Savings Bank(this institution) | Williamstown, NJ | $114M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of New Madrid | New Madrid, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Bank | Bristow, OK | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Countryside Bank | Unadilla, NE | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covington County Bank | Collins, MS | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers and Mechanics Federal Savings Bank | Bloomfield, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Mutual Bank, FSB | Belpre, OH | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank | Heavener, OK | $113M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank of Bigfork | Bigfork, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Le Center | Le Center, MN | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Henderson Federal Savings Bank | Henderson, TX | $118M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metz Banking Company | Nevada, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid-Central National Bank | Wadena, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Greensboro | Greensboro, AL | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Bank | Bellevue, WA | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Richland County Bank | Richland Center, WI | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rushford State Bank (Incorporated) | Rushford, MN | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Commercial Bank Of Ozark | Ozark, AL | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| The Farmers State Bank of Brush | Brush, CO | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Granville National Bank | Granville, IL | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Lytle State Bank of Lytle, Texas | Lytle, TX | $115M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Bank | Sardis, TN | $113M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Peoples Bank | Willacoochee, GA | $109M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Savings and Loan Company | West Liberty, OH | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Twin Cedars Bank | Bussey, IA | $118M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| White State Bank | South English, IA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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
Its published price is $10, against a peer median of $7 among 14 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
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 Monroe Savings 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 | $4K | +$1K | +33.3% |
| Q1 2026 | $3K | $0 | 0.0% |
| Q4 2025 | $3K | −$2K | −40.0% |
| Q3 2025 | $5K | +$2K | +66.7% |
| Q2 2025 | $3K | −$1K | −25.0% |
| Q1 2025 | $4K | $0 | 0.0% |
| Q4 2024 | $4K | $0 | 0.0% |
| Q3 2024 | $4K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Monroe Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Monroe Savings Bank by share.
Amounts from Monroe Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per year
per hour · Research/Reconciliation - per hour | $20.00
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly minimum balance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly minimum balance fee if the daily balance drops below any day of the month | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $6Not compared: Annual charge, not monthly | per year | None |
| Research/Reconciliation - per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | Research/Reconciliation - per hour | $20.00 |
Overdraft & NSF | |||
| Return Check Charge - Insufficient | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Charge - Uncollected Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sweep Transfers (each occurrence) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ACCEL Exchange Fees – at foreign ATM’s – per transaction: Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Replacement Cards | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - out | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $3.50Inside 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 |
| Stop Payments - Check, Money Order, Dividend Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks - 3 per day | $1Not compared: Daily charge, not per item | per day | None |
| Photocopy - Check or Money Order | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cashed or Deposited Checks Returned | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Customer Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Boxes | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy & Lien Processing | $90Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopy - NOW/MMDA/MTG Statements | $4Inside the U.S. middle 50% ($2 to $5 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
Nov 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 Monroe Savings Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $87.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $87.2M |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
0% of bank deposits, #65 of 88, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 45.7% |
| TD Bank, National Association | 13.4% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, Monroe Savings Bank holds 0% of bank deposits, #65 of 88, with 2 offices.
899 offices of 28 institutions shown.
Showing 899 of 1,635 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 88 institutions shown. $685.1B 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, #65 of 88
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
309 offices of 89 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 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 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.