Country Bank for Savings

Headquarters: Ware, Massachusetts
Charter: Bank
Assets: $2.2B
Fed district: Boston
Regulator: FDIC
Holding company: 1850 Financial Mhc

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 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 21, 2026

How these figures are measured

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	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.	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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Country Bank for Savings (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 $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.

Fees against the market

Comparison with U.S. 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
Country Bank for Savings: $10 to $35
Country Bank for Savings: $10 to $35
U.S. median: no median
NSF / Returned Item
Country Bank for Savings: $5
Country Bank for Savings: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Country Bank for Savings: $30
Country Bank for Savings: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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 fell 5.9% from Q3 2025 to Q2 2026, to $637K.

Service-charge income, Q2 2026

$637K

$677KQ3 2025

$644KQ4 2025

$653KQ1 2026

$637KQ2 2026

Against the median

Country Bank for SavingsMedian

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

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.

Banks only
$2.1B to $2.3B in assets
Headquartered in 19 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $14.50 (181%) above the median of similar-sized banks.

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

Country Bank for Savings: 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 Nov 1, 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 Country Bank for Savings (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: $637K
vs prior quarter: −$16K−2.5%; from Q1 2026
vs a year earlier: +$11K+1.8%; from Q2 2025
vs start of range: −$29K−4.4%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Country Bank for Savings (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	$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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Country Bank for Savings’s own schedules, with a source for each figure.

Account Maintenance

Perks Checking Monthly Fee$10
per month
Relationship Rewards Checking Monthly Fee$35
per month
Early Account Closeout$15
Early Account Closeout$15
Inactivity Fee$10
Account research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Reduced OD and NSF fees for 18/65 account customers (per item)$5
per item

ATM & Card

Card Replacement Fee$10

Wire Transfers

Domestic Outgoing Wire Fee$30
 Domestic Outgoing Wire Fee$30
Domestic Incoming Wire Fee$15
Incoming wiresNo charge
 Domestic Incoming Wire Fee$15
Foreign Outgoing Wire Fee$50
 Foreign Outgoing Wire Fee$50
Foreign Incoming Wire Fee$30
 Foreign Incoming Wire Fee$30

Check Services

Cashier Check$5
Cashier’s checksNo charge
 Cashier Check$5
Money Order$5
Money OrdersNo charge
 Money Order$5
Stop Payment Fee (check or electronic)$30
Counter Checks$2
 Counter Checks$2

Cash & Deposit

Return Deposited Item Fee$6.84

Lending Fees

Current cost for a full appraisal$475
Full appraisal (2-4 family property)$575
one time

Other Fees

Early Termination fee$500
one time

Fee	Amount	Basis	Note
Account Maintenance
Perks Checking Monthly Fee	$10	per month	None
Relationship Rewards Checking Monthly Fee	$35	per month	None
Early Account Closeout	$15	Not stated	None
Early Account Closeout	$15	Not stated	None
Inactivity Fee	$10	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)	$5	per item	None
ATM & Card
Card Replacement Fee	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wire Fee	$30	Not stated	None
 Domestic Outgoing Wire Fee	$30	Not stated	None
Domestic Incoming Wire Fee	$15	Not stated	None
Incoming wires	No charge	Not stated	None
 Domestic Incoming Wire Fee	$15	Not stated	None
Foreign Outgoing Wire Fee	$50	Not stated	None
 Foreign Outgoing Wire Fee	$50	Not stated	None
Foreign Incoming Wire Fee	$30	Not stated	None
 Foreign Incoming Wire Fee	$30	Not stated	None
Check Services
Cashier Check	$5	Not stated	None
Cashier’s checks	No charge	Not stated	None
 Cashier Check	$5	Not stated	None
Money Order	$5	Not stated	None
Money Orders	No charge	Not stated	None
 Money Order	$5	Not stated	None
Stop Payment Fee (check or electronic)	$30	Not stated	None
Counter Checks	$2	Not stated	None
 Counter Checks	$2	Not stated	None
Cash & Deposit
Return Deposited Item Fee	$6.84	Not stated	None
Lending Fees
Current cost for a full appraisal	$475	Not stated	None
Full appraisal (2-4 family property)	$575	one time	None
Other Fees
Early Termination fee	$500	one time	None

Correct a fee source

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.

Fee change alerts

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