North Cambridge Co-operative Bank

Headquarters: Cambridge, Massachusetts
Charter: Bank
Assets: $87.1M
Fed district: Boston
Regulator: FDIC

17 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
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · 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 North Cambridge 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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 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.	North Cambridge Co-operative 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: FDIC BankFind Suite (call report data)
Entity: North Cambridge Co-operative Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $5K in Q2 2026, 29% below the same quarter a year earlier ($7K).
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
NOW Checking $1 · Basic Checking $3
Compared at $2, the middle of its prices
North Cambridge Co-operative Bank: $1 to $3
North Cambridge Co-operative Bank: $1 to $3
U.S. median: no median
NSF / Returned Item
North Cambridge Co-operative Bank: $22.50
North Cambridge Co-operative Bank: $22.50
U.S. median: no median
Non-Network ATM
Compared at $0.63, the middle of its prices
North Cambridge Co-operative Bank: $0.50 to $0.75
North Cambridge Co-operative Bank: $0.50 to $0.75
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 Massachusetts, the Boston 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).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 was about level from Q3 2025 to Q2 2026, at $5K.

Service-charge income, Q2 2026

$5K

$5KQ3 2025

$5KQ4 2025

$5KQ1 2026

$5KQ2 2026

Against the median

North Cambridge Co-operative BankMedian

Sources and open questions

FDIC 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

North Cambridge Co-operative Bank · $87M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$80M to $94M in assets
Headquartered in 14 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
North Cambridge Co-operative Bank(this institution)	Cambridge, MA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
American State Bank of Grygla	Grygla, MN	$82M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bandera Bank	Bandera, TX	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Lake Village	Lake Village, AR	$91M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Yates City	Yates City, IL	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concorde Bank	Blomkest, MN	$88M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eureka Homestead	Metairie, LA	$89M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers and Merchants Bank	Arnett, OK	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank and Trust Company	Minden, NE	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank of Pike	Molena, GA	$87M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Watonga, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Independence State Bank	Independence, WI	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Integrity Bank Plus	Wabasso, MN	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Junction National Bank	Junction, TX	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Miners Exchange Bank	Coeburn, VA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
New Century Bank	Belleville, KS	$89M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rockland Savings Bank, FSB	Rockland, ME	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
State Bank of Cold Spring	Cold Spring, MN	$82M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Atlanta National Bank	Atlanta, IL	$81M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Manning	Manning, IA	$88M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First State Bank of Red Wing	Red Wing, MN	$86M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Howard State Bank, Howard, Kansas	Howard, KS	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Ottoville Bank Company	Ottoville, OH	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The State Exchange Bank	Lamont, OK	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Stock Exchange Bank, Caldwell, Kansas	Caldwell, KS	$90M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Tri-Valley Bank	Randolph, IA	$83M	Monthly maintenance not published	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 · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (60%) below the median of similar-sized banks.

Compared at $2, the middle of its two prices, against a peer median of $5 among 9 publishing peers.

Its two checking prices are $1 and $3.

$2 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 Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

North Cambridge Co-operat…: 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 Oct 22, 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 North Cambridge Co-operative 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: $5K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−28.6%; from Q2 2025
vs start of range: −$2K−28.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: North Cambridge Co-operative Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5K	$0	0.0%
Q1 2026	$5K	$0	0.0%
Q4 2025	$5K	$0	0.0%
Q3 2025	$5K	−$2K	−28.6%
Q2 2025	$7K	+$2K	+40.0%
Q1 2025	$5K	$0	0.0%
Q4 2024	$5K	−$2K	−28.6%
Q3 2024	$7K	$0	0.0%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from North Cambridge Co-operative Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Service Charge$1
Maintenance Service Charge$3
Abandoned Property Fee$25
Research of Account Records (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Charge$22.50
Overdraft Protection Trans Fee (per daily transfer)$5
Not compared: Daily charge, not per item
per day

ATM & Card

Per ATM Inquiry Service Charge$0.50
Per ATM Withdrawal Service Charge$0.75
Debit Card Replacement$10
VISA International Service Assessment1%of the transaction

Wire Transfers

Outgoing Wire$20
Repetitive Domestic Wire$15
Incoming Wire$10
Foreign Wire$40
Repetitive Foreign Wire$30

Check Services

Bank Check$5
Bank Check$3
Money Order$5
Money Orders$2
Money Orders (Senior Citizens per check)$1
per item
Stop Payment Fee ‐ checks & direct debits$22.50
Collection Item Fee$10

Cash & Deposit

Returned Check Charge$5

Account Services

Notary Fee (non-customers)$1.25
Attachment or Assignment Fee$25
Tax Levy Fee$25
Balance Verification Letter$10

Other Fees

Interim Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge	$1	Not stated	None
Maintenance Service Charge	$3	Not stated	None
Abandoned Property Fee	$25	Not stated	None
Research of Account Records (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Charge	$22.50	Not stated	None
Overdraft Protection Trans Fee (per daily transfer)	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
Per ATM Inquiry Service Charge	$0.50	Not stated	None
Per ATM Withdrawal Service Charge	$0.75	Not stated	None
Debit Card Replacement	$10	Not stated	None
VISA International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire	$20	Not stated	None
Repetitive Domestic Wire	$15	Not stated	None
Incoming Wire	$10	Not stated	None
Foreign Wire	$40	Not stated	None
Repetitive Foreign Wire	$30	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Bank Check	$3	Not stated	None
Money Order	$5	Not stated	None
Money Orders	$2	Not stated	None
Money Orders (Senior Citizens per check)	$1	per item	None
Stop Payment Fee ‐ checks & direct debits	$22.50	Not stated	None
Collection Item Fee	$10	Not stated	None
Cash & Deposit
Returned Check Charge	$5	Not stated	None
Account Services
Notary Fee (non-customers)	$1.25	Not stated	None
Attachment or Assignment Fee	$25	Not stated	None
Tax Levy Fee	$25	Not stated	None
Balance Verification Letter	$10	Not stated	None
Other Fees
Interim Statement	$5	Not stated	None

Account Maintenance

Maintenance Service Charge$1
Maintenance Service Charge$3
Abandoned Property Fee$25
Research of Account Records (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Commercial Insufficient Funds Charge$22.50
Insufficient Funds Charge$22.50
Overdraft Protection Trans Fee (per daily transfer)$5
Not compared: Daily charge, not per item
per day

ATM & Card

Per ATM Inquiry Service Charge$0.50
Per ATM Withdrawal Service Charge$0.75
Debit Card Replacement$10
VISA International Service Assessment1%of the transaction

Wire Transfers

Outgoing Wire$20
Repetitive Domestic Wire$15
Incoming Wire$10
Foreign Wire$40
Repetitive Foreign Wire$30

Check Services

Bank Check$5
Bank Check$3
Money Order$5
Money Orders$2
Money Orders (Senior Citizens per check)$1
per item
Stop Payment Fee ‐ checks & direct debits$22.50
Collection Item Fee$10

Cash & Deposit

Returned Check Charge$5

Account Services

Notary Fee (non-customers)$1.25
Attachment or Assignment Fee$25
Tax Levy Fee$25
Balance Verification Letter$10

Other Fees

Interim Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge	$1	Not stated	None
Maintenance Service Charge	$3	Not stated	None
Abandoned Property Fee	$25	Not stated	None
Research of Account Records (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Commercial Insufficient Funds Charge	$22.50	Not stated	None
Insufficient Funds Charge	$22.50	Not stated	None
Overdraft Protection Trans Fee (per daily transfer)	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
Per ATM Inquiry Service Charge	$0.50	Not stated	None
Per ATM Withdrawal Service Charge	$0.75	Not stated	None
Debit Card Replacement	$10	Not stated	None
VISA International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire	$20	Not stated	None
Repetitive Domestic Wire	$15	Not stated	None
Incoming Wire	$10	Not stated	None
Foreign Wire	$40	Not stated	None
Repetitive Foreign Wire	$30	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Bank Check	$3	Not stated	None
Money Order	$5	Not stated	None
Money Orders	$2	Not stated	None
Money Orders (Senior Citizens per check)	$1	per item	None
Stop Payment Fee ‐ checks & direct debits	$22.50	Not stated	None
Collection Item Fee	$10	Not stated	None
Cash & Deposit
Returned Check Charge	$5	Not stated	None
Account Services
Notary Fee (non-customers)	$1.25	Not stated	None
Attachment or Assignment Fee	$25	Not stated	None
Tax Levy Fee	$25	Not stated	None
Balance Verification Letter	$10	Not stated	None
Other Fees
Interim Statement	$5	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.

Fee change alerts

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