Compared with Massachusetts
9 of 15
compared fees are above the median.
2 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
67th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 15 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Country Bank for Savings 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 Massachusetts median | Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Country Bank for Savings's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.0% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (67th 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 $637K in Q2 2026, 1.8% above the same quarter a year earlier ($626K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 15 compared published fees sit above the Massachusetts 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 Massachusetts medians for fees published by banks and credit unions.
Monthly Maintenance
Perks Checking $10 · Relationship Rewards Checking $35
Compared at $22.50, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Service-charge income fell 5.9% from Q3 2025 to Q2 2026, to $637K. Its share of revenue, 3.0%, is above the 2.2% median for banks with $1B to $10B in assets.
$637K
Country Bank for SavingsMedian
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 $10 to $35; we compare the midpoint.
Country Bank for Savings · $2.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Country Bank for Savings(this institution) | Ware, MA | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| American Bank & Trust | Sioux Falls, SD | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cashmere Valley Bank | Cashmere, WA | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens National Bank of Texas | Waxahachie, TX | $2.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crews Bank & Trust | Wauchula, FL | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank Chicago | Highland Park, IL | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank of the Lake | Osage Beach, MO | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kennebunk Savings Bank | Kennebunk, ME | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Norway Savings Bank | Norway, ME | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Parke Bank | Sewell, NJ | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Queensborough National Bank & Trust Company | Louisville, GA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Regent Bank | Tulsa, OK | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security First Bank | Lincoln, NE | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shinhan Bank America | New York, NY | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| South Central Bank, Inc. | Glasgow, KY | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Princeton | Princeton, NJ | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The First National Bank of Fort Smith | Fort Smith, AR | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Lyons National Bank | Lyons, NY | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Think Mutual Bank | Rochester, MN | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Zebulon, GA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $22.50, the middle of its two prices, against a peer median of $8 among 17 publishing peers.
Its two checking prices are $10 and $35.
$22.50 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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Country Bank for Savings (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 | $637K | −$16K | −2.5% |
| Q1 2026 | $653K | +$9K | +1.4% |
| Q4 2025 | $644K | −$33K | −4.9% |
| Q3 2025 | $677K | +$51K | +8.1% |
| Q2 2025 | $626K | −$11K | −1.7% |
| Q1 2025 | $637K | −$27K | −4.1% |
| Q4 2024 | $664K | −$2K | −0.3% |
| Q3 2024 | $666K | +$53K | +8.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Country Bank for Savings left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Country Bank for Savings by share.
Amounts from Country Bank for Savings’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Perks Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Relationship Rewards Checking Monthly Fee | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closeout | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Account Closeout | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Reduced OD and NSF fees for 18/65 account customers (per item) | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Outgoing Wire Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Incoming Wire Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Incoming wires | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Domestic Incoming Wire Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Outgoing Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign Outgoing Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign Incoming Wire Fee | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Foreign Incoming Wire Fee | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s checks | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (check or electronic) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposited Item Fee | $6.84Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Current cost for a full appraisal | $475Above the U.S. middle 50% ($125 to $468.75 nationally) | Not stated | None |
| Full appraisal (2-4 family property) | $575Above the U.S. middle 50% ($125 to $468.75 nationally) | one time | None |
Other Fees | |||
| Early Termination fee | $500Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Oct 21, 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 Country Bank for Savings operates, and what regulators and customers have on file.
Branch footprint
16 offices in 1 state, $1.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $735.2M | |
| 2 | $536.9M | |
| 8 | $456.8M |
Springfield, MA
5.2% of bank deposits, #8 of 18, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PeoplesBank | 17.1% |
| TD Bank, National Association | 15.9% |
| Westfield Bank | 13.9% |
| Bank of America, National Association | 10.9% |
| Manufacturers and Traders Trust Company | 7.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Springfield, MA, Country Bank for Savings holds 5.2% of bank deposits, #8 of 18, with 6 offices.
The fee comparison uses its home metro, Worcester, MA.
150 offices of 29 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 18 institutions shown. $14.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 5.2% share, 6 offices, #8 of 18
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
33 offices of 11 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.