Norway Savings Bank

Headquarters: Norway, Maine
Charter: Bank
Assets: $2.2B
Fed district: Boston
Regulator: FDIC
Holding company: Norway Bancorp Mhc

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

Source: its fee schedule, read Oct 31, 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 31, 2026

How these figures are measured

Call-report figures are for Norway 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	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.	Norway Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Norway Savings Bank (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 $320K in Q2 2026, 5.6% above the same quarter a year earlier ($303K).
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
Compared at $5, the middle of its prices
Norway Savings Bank: $4.95 to $5
Norway Savings Bank: $4.95 to $5
U.S. median: no median
Overdraft (OD)
Norway Savings Bank: $35
Norway Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Norway Savings Bank: $20
Norway Savings Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

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).
Maine: Banks and credit unions headquartered in Maine 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 4.2% from Q3 2025 to Q2 2026, to $320K.

Service-charge income, Q2 2026

$320K

$334KQ3 2025

$314KQ4 2025

$308KQ1 2026

$320KQ2 2026

Against the median

Norway Savings BankMedian

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

Norway Savings Bank · $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
$2B 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
Norway Savings Bank(this institution)	Norway, ME	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
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
Country Bank for Savings	Ware, MA	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 Fed Bank	Port Angeles, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank	El Dorado, AR	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank & Trust	Oakland, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Gateway First Bank	Jenks, OK	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
IncredibleBank	Wausau, WI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Kish Bank	Belleville, PA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Bank	Chicago, IL	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Opportunity Bank of Montana	Helena, MT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Regent Bank	Tulsa, OK	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	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
Square Financial Services, Inc.	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Starion Bank	Bismarck, ND	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	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 in Sioux Falls	Sioux Falls, SD	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
The Village Bank	Newton, MA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Timberland Bank	Hoquiam, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.75 (35%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $7.75 among 14 publishing peers.

Its three checking prices are $4.95, $5 and $5.

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

Norway Savings Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (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 2, 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 Norway Savings Bank (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: $320K
vs prior quarter: +$12K+3.9%; from Q1 2026
vs a year earlier: +$17K+5.6%; from Q2 2025
vs start of range: +$15K+4.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Norway Savings Bank (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	$320K	+$12K	+3.9%
Q1 2026	$308K	−$6K	−1.9%
Q4 2025	$314K	−$20K	−6.0%
Q3 2025	$334K	+$31K	+10.2%
Q2 2025	$303K	+$16K	+5.6%
Q1 2025	$287K	+$5K	+1.8%
Q4 2024	$282K	−$23K	−7.5%
Q3 2024	$305K	+$10K	+3.4%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Full Solutions Checking Monthly maintenance fee$5
per month · The $5.00 monthly maintenance fee will not be charged with 15 debit card posted transactions each statement cycle
Monthly fee (after 90 day free trial)$4.95
per month
Monthly maintenance fee (Full Solutions Checking)$5
per month · The $5.00 monthly maintenance fee will not be charged with 15 debit card posted transactions each statement cycle
Inactive Savings Accounts (month)$4
Paper statement fee (month)$2

Overdraft & NSF

Overdraft Fee (per item)$35
per item
Insufficient Funds (returned item)$20

ATM & Card

ATM/Debit Card Overnight Replacement$50

Check Services

Official Checks (each)$6
per item
Money Orders (each)$6
per item
Counter Checks (each)$1
per item
Collection Items$25
Check Copies (per check)$1
per item

Digital & Electronic

Bill Pay (consumers only)No charge
Zelle®No charge

Cash & Deposit

Returned Deposit Item (per item)$15
per item
Zipper Bag (Replacement)$3

Account Services

Notary Public (non-customers)$20
Drilling Fee$50
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee
Legal Processing (Levies, Subpoenas, etc.)$100

Retirement & IRA

IRA Transfer Fee$35

Gift & Prepaid Cards

Gift Card$5

Other Fees

Bank Statement Copies (per statement)$6
Photocopy Fee (per copy)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Full Solutions Checking Monthly maintenance fee	$5	per month	The $5.00 monthly maintenance fee will not be charged with 15 debit card posted transactions each statement cycle
Monthly fee (after 90 day free trial)	$4.95	per month	None
Monthly maintenance fee (Full Solutions Checking)	$5	per month	The $5.00 monthly maintenance fee will not be charged with 15 debit card posted transactions each statement cycle
Inactive Savings Accounts (month)	$4	Not stated	None
Paper statement fee (month)	$2	Not stated	None
Overdraft & NSF
Overdraft Fee (per item)	$35	per item	None
Insufficient Funds (returned item)	$20	Not stated	None
ATM & Card
ATM/Debit Card Overnight Replacement	$50	Not stated	None
Check Services
Official Checks (each)	$6	per item	None
Money Orders (each)	$6	per item	None
Counter Checks (each)	$1	per item	None
Collection Items	$25	Not stated	None
Check Copies (per check)	$1	per item	None
Digital & Electronic
Bill Pay (consumers only)	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item (per item)	$15	per item	None
Zipper Bag (Replacement)	$3	Not stated	None
Account Services
Notary Public (non-customers)	$20	Not stated	None
Drilling Fee	$50Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Legal Processing (Levies, Subpoenas, etc.)	$100	Not stated	None
Retirement & IRA
IRA Transfer Fee	$35	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	Not stated	None
Other Fees
Bank Statement Copies (per statement)	$6	Not stated	None
Photocopy Fee (per copy)	$0.25	per item	None

Correct a fee source

Oct 31, 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

Get an email when Norway Savings Bank's early account closure changes in our data

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