Compared with Maine
12 of 17
compared fees are above the median.
2 below, 3 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
25th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Maine median
of 17 compared; 2 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Machias 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 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 Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Machias 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 1.3% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (25th 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 $352K in Q2 2026, 29% above the same quarter a year earlier ($273K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 17 compared published fees sit above the Maine median; 2 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 Maine medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 18% from Q3 2025 to Q2 2026, to $352K. Its share of revenue, 1.3%, is below the 2.2% median for banks with $1B to $10B in assets.
$352K
Machias Savings 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.
Machias Savings Bank · $2.7B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Machias Savings Bank(this institution) | Machias, ME | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Community National Bank & Trust | Chanute, KS | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Cornerstone Bank | Spencer, MA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| Extraco Banks, National Association | Temple, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Fidelity Bank & Trust | Dubuque, IA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank | Paragould, AR | $2.6B | 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 |
| Horizon Bank, SSB | Austin, TX | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Ion Bank | Naugatuck, CT | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| KS StateBank | Manhattan, KS | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Bank | Wayne, PA | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| South Shore Bank | South Weymouth, MA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| United Bank of Iowa | Ida Grove, IA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wells Fargo Bank South Central, National Association | Houston, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 13 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
Machias Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
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 Machias Savings 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 | $352K | −$13K | −3.6% |
| Q1 2026 | $365K | +$56K | +18.1% |
| Q4 2025 | $309K | +$10K | +3.3% |
| Q3 2025 | $299K | +$26K | +9.5% |
| Q2 2025 | $273K | −$11K | −3.9% |
| Q1 2025 | $284K | +$10K | +3.6% |
| Q4 2024 | $274K | −$102K | −27.1% |
| Q3 2024 | $376K | +$7K | +1.9% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Machias 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 Machias Savings Bank by share.
Amounts from Machias Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
per item
per page · Copies of Check Images | $2.00 Per Page
per item
per item
per page · Fax or Photocopy Fee | $2.00 Per Page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closing Fee (Account Closed within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Accounts (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation (hourly rate) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation (hourly rate) | $30.00 ($30 min) |
| Account Research | $30Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Undeliverable Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Charge | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Personal Account Continuous Overdraft Charge | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Lost Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Online Banking Outgoing Wire Transfer: Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee: Domestic | $75Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee: Domestic (in-person) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Online Banking Outgoing Wire Transfer: International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Fee: International (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Treasurer Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Treasurer Checks - Customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order - Customer | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments - Check & ACH | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments via Online Banking | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Items - Foreign | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies of Check Images | $2Not compared: Charged per page; comparison unavailable | per page | Copies of Check Images | $2.00 Per Page |
Cash & Deposit | |||
| Coin Counting | 6% | Not stated | None |
| Night Drop Replacement Key (per key) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Services (per item) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Additional fee for special request drilling | $100Not compared: Box drilling or key fee | Not stated | None |
| Drilling Fee | $225Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (per key) | $30Not compared: Box drilling or key fee | per item | None |
| Legal Processing Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Fax or Photocopy Fee | $2Not compared: Charged per page; comparison unavailable | per page | Fax or Photocopy Fee | $2.00 Per Page |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
per item
per page · Copies of Check Images | $2.00 Per Page
per item
per item
per page · Fax or Photocopy Fee | $2.00 Per Page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closing Fee (Account Closed within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Accounts (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation (hourly rate) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation (hourly rate) | $30.00 ($30 min) |
| Account Research | $30Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Undeliverable Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Charge | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Business Account Continuous Overdraft Charge | $20 | Not stated | None |
ATM & Card | |||
| Lost Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Online Banking Outgoing Wire Transfer: Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee: Domestic | $75Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee: Domestic (in-person) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Online Banking Outgoing Wire Transfer: International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Treasurer Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Treasurer Checks - Customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order - Customer | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments - Check & ACH | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments via Online Banking | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Items - Foreign | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies of Check Images | $2Not compared: Charged per page; comparison unavailable | per page | Copies of Check Images | $2.00 Per Page |
Cash & Deposit | |||
| Coin Counting | 6% | Not stated | None |
| Night Drop Replacement Key (per key) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Services (per item) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Additional fee for special request drilling | $100Not compared: Box drilling or key fee | Not stated | None |
| Drilling Fee | $225Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (per key) | $30Not compared: Box drilling or key fee | per item | None |
| Legal Processing Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Fax or Photocopy Fee | $2Not compared: Charged per page; comparison unavailable | per page | Fax or Photocopy Fee | $2.00 Per Page |
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 Machias Savings Bank operates, and what regulators and customers have on file.
Branch footprint
16 offices in 2 states, $2.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 11 | $1.2B |
| 3 | $553.4M | |
| 1 | $502.4M | |
| 1 | $61.1M |
Bangor, ME
11.3% of bank deposits, #3 of 9, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bangor Savings Bank | 45.4% |
| TD Bank, National Association | 12% |
| The Camden National Bank | 9.7% |
| Katahdin Trust Company | 7.9% |
| Bar Harbor Bank & Trust | 4.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Bangor, ME, Machias Savings Bank holds 11.3% of bank deposits, #3 of 9, with 3 offices.
67 offices of 22 institutions shown.
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.
8 of 9 institutions shown. $4.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 11.3% share, 3 offices, #3 of 9
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
29 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.