Compared with Connecticut
5 of 21
compared fees are above the median.
12 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
57th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Connecticut median
of 21 compared; 12 below, 4 about the same
See the feesFee 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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B 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 Connecticut median | Published fees above the Connecticut 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 charges were 2.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (57th 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 $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.
5 of 21 compared published fees sit above the Connecticut median; 12 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 Connecticut medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $3.50, the middle of its prices
Overdraft (OD)
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. Its share of revenue, 2.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$833K
Ion BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $8; we compare the midpoint.
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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Ion Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Ion Bank by share.
Amounts from Ion Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
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per item
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per hour
per month
per item
per item
per item
per year
per year
per year
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per year
per year
per year
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per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New account closed within first | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Dormant fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Excess activity fee (per item) | $15Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Research (per hour, 1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper statement fee | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Monthly fee: None: Excess activity fee (per item) | $15Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient funds fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection transfer | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment or Post dated check notice | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Encoding charge for temporary checks (per check) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection item (Incoming) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection item (Outgoing, Canadian) Under $25,000 | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection item (Outgoing, Domestic) | No chargeBelow the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection item (Outgoing, Foreign - Non-Canadian) | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Check, ACH item, electronic debit: Returned unpaid | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned deposited item | No chargeBelow the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary service (customers) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary service (non-customers) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Key replacement (per key) | $50Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10x10 | $180Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7x10 | $140Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| SAFE DEPOSIT BOX FEES: 2x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| SAFE DEPOSIT BOX FEES: 3x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| SAFE DEPOSIT BOX FEES: 5x5 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal process | $125Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Deposit account verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | 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.
Branch footprint
36 offices in 2 states, $2.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 14 | $1.0B | |
| 13 | $478.6M | |
| Outside a metro area | 1 | $325.2M |
| 4 | $299.6M | |
| 4 | $156.1M |
Waterbury-Shelton, CT
8.2% of bank deposits, #6 of 16.
| Largest competitors here | Deposit share |
|---|---|
| Webster Bank, National Association | 24.9% |
| Wells Fargo Bank, National Association | 11.5% |
| Bank of America, National Association | 10.8% |
| Thomaston Savings Bank | 10.7% |
| TD Bank, National Association | 10.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
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 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.