21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 7, 2026.
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 7, 2026
Call-report figures are for Ion 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. | Ion Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $833K in Q2 2026, 3.6% above the same quarter a year earlier ($804K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Connecticut, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.7% from Q3 2025 to Q2 2026, to $833K.
$833K
Ion BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Ion Bank · $2.8B 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 |
|---|---|---|---|---|---|---|---|
| Ion Bank(this institution) | Naugatuck, CT | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avidia Bank | Hudson, MA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank Independent | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Rapids Bank and Trust Company | Cedar Rapids, IA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Bank | York, NE | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emprise Bank | Wichita, KS | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FCB Banks | Collinsville, IL | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Federal Bank of Tennessee | Knoxville, TN | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| INB, National Association | Springfield, IL | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Machias Savings Bank | Machias, ME | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Shore Bank | Brookfield, WI | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Community Bank | Oregon, WI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Open Bank | Los Angeles, CA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quad City Bank and Trust Company | Bettendorf, IA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank of Southern Utah | Cedar City, UT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sunrise Banks, National Association | Sioux Falls, SD | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westfield Bank | Westfield, MA | $2.7B | 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.50, the middle of its four prices, against a peer median of $8 among 12 publishing peers.
Its four checking prices are $0, $2, $5 and $8.
$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
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 Ion 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 | $833K | −$23K | −2.7% |
| Q1 2026 | $856K | +$11K | +1.3% |
| Q4 2025 | $845K | −$48K | −5.4% |
| Q3 2025 | $893K | +$89K | +11.1% |
| Q2 2025 | $804K | +$81K | +11.2% |
| Q1 2025 | $723K | −$19K | −2.6% |
| Q4 2024 | $742K | $0 | 0.0% |
| Q3 2024 | $742K | +$40K | +5.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Ion Bank’s own schedules, with a source for each figure.
per month
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per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $8 | per month | None |
| Monthly fee | $5 | per month | None |
| Monthly fee | No charge | per month | None |
| Monthly fee | $2 | per month | None |
| New account closed within first | $20 | per item | None |
| Dormant fee | No charge | Not stated | None |
| Excess activity fee (per item) | $15 | per item | None |
| Research (per hour, 1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement | $2 | per month | None |
| Paper statement fee | No charge | Not stated | None |
| Monthly fee: None: Excess activity fee (per item) | $15 | per item | None |
Overdraft & NSF | |||
| Overdraft fee | $30 | per item | None |
| Insufficient funds fee | No charge | Not stated | None |
| Overdraft Protection transfer | No charge | Not stated | None |
ATM & Card | |||
| Non-Network ATM | $2 | Not stated | None |
| Card reissue | $10 | Not stated | None |
| Monthly fee: None: Card rush order | $50Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Official Check (for customers only) | $7 | Not stated | None |
| ACH stop payment | $30 | Not stated | None |
| Stop payment or Post dated check notice | $30 | Not stated | None |
| Encoding charge for temporary checks (per check) | $1 | per item | None |
| Collection item (Incoming) | $25 | Not stated | None |
| Collection item (Outgoing, Canadian) Under $25,000 | $5 | Not stated | None |
| Collection item (Outgoing, Domestic) | No charge | Not stated | None |
| Collection item (Outgoing, Foreign - Non-Canadian) | $30 | Not stated | None |
Digital & Electronic | |||
| Check, ACH item, electronic debit: Returned unpaid | $20 | Not stated | None |
Cash & Deposit | |||
| Returned deposited item | No charge | Not stated | None |
Account Services | |||
| Notary service (customers) | No charge | Not stated | None |
| Notary service (non-customers) | $5 | Not stated | None |
| Key replacement (per key) | $50Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10x10 | $180 | per year | None |
| Safe Deposit Box 2x5 | $40 | per year | None |
| Safe Deposit Box 3x10 | $65 | per year | None |
| Safe Deposit Box 3x10 | $85 | per year | None |
| Safe Deposit Box 3x5 | $55 | per year | None |
| Safe Deposit Box 3x5 | $35 | per year | None |
| Safe Deposit Box 5x10 | $110 | per year | None |
| Safe Deposit Box 5x10 | $100 | per year | None |
| Safe Deposit Box 5x5 | $70 | per year | None |
| Safe Deposit Box 5x5 | $50 | per year | None |
| Safe Deposit Box 7x10 | $140 | per year | None |
| SAFE DEPOSIT BOX FEES: 2x5 | $40 | Not stated | None |
| SAFE DEPOSIT BOX FEES: 3x5 | $55 | Not stated | None |
| SAFE DEPOSIT BOX FEES: 5x5 | $70 | Not stated | None |
| Legal process | $125 | Not stated | None |
| Deposit account verification | $10 | Not stated | None |
Retirement & IRA | |||
| Monthly fee: None: IRA or HSA transfer fee | $35Not compared: Monthly charge, not per item | per month | None |
Oct 7, 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 Ion Bank operates, and what regulators and customers have on file.
In Waterbury-Shelton, CT, Ion Bank holds 8.2% of bank deposits, #6 of 16, with 14 offices.
Offices
The metro's counties are not on file, so no map is drawn. Competitors are listed in the deposit share chart.
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 16 institutions shown. $12.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 8.2% share, 14 offices, #6 of 16
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
24 offices of 14 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 Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, 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
We check once a day and send one email covering every change.