Compared with Massachusetts
6 of 15
compared fees are above the median.
7 below, 2 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
21st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 15 compared; 7 below, 2 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Fall River Five Cents 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 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. | Fall River Five Cents Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.1% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (21st 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 $152K in Q2 2026, 62% below the same quarter a year earlier ($405K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 15 compared published fees sit above the Massachusetts median; 7 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.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
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 65% from Q3 2025 to Q2 2026, to $152K. Its share of revenue, 1.1%, is below the 2.2% median for banks with $1B to $10B in assets.
$152K
Fall River Five Cents 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.
Fall River Five Cents Savings Bank · $1.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Fall River Five Cents Savings Bank(this institution) | Fall River, MA | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Androscoggin Savings Bank | Lewiston, ME | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank 7 | Oklahoma City, OK | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankWest, Inc. | Pierre, SD | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chelsea Groton Bank | Groton, CT | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Bank | Fargo, ND | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Embassy Bank for the Lehigh Valley | Bethlehem, PA | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fairfield County Bank | Ridgefield, CT | $1.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Commerce Bank | Lakewood, NJ | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Northern Bank of Dixon | Dixon, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FirstBank Southwest | Amarillo, TX | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hawthorn Bank | Jefferson City, MO | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ives Bank | Danbury, CT | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kennebec Savings Bank | Augusta, ME | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newtown Savings Bank | Newtown, CT | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Easton Savings Bank | South Easton, MA | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Bank and Trust Company | Paris, TN | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Servbank, National Association | Oswego, IL | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sutton Bank | Attica, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Meridian | Meridian, MS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The National Bank of Blacksburg | Blacksburg, VA | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thomaston Savings Bank | Thomaston, CT | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Tri City National Bank | Oak Creek, WI | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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
The peer median is $8.50 among 12 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Fall River Five Cents 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Fall River Five Cents 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 | $152K | −$274K | −64.3% |
| Q1 2026 | $426K | −$17K | −3.8% |
| Q4 2025 | $443K | +$13K | +3.0% |
| Q3 2025 | $430K | +$25K | +6.2% |
| Q2 2025 | $405K | +$34K | +9.2% |
| Q1 2025 | $371K | −$30K | −7.5% |
| Q4 2024 | $401K | +$5K | +1.3% |
| Q3 2024 | $396K | +$27K | +7.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Fall River Five Cents 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 Fall River Five Cents Savings Bank by share.
Amounts from Fall River Five Cents Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per day
per item
per item
per month
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheatment Fee (excludes CDs) | $50Not compared: CD/IRA fee | Not stated | None |
| Account Research or Balancing Assistance (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research or Balancing Assistance (per hour) | $25.00 |
Overdraft & NSF | |||
| Overdraft (OD) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Sweep Fee (per day for sweeps from savings account or line of credit account) Fee applies to overdrafts create | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Non-Network ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Incoming Wire Transfer | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Incoming Wire Transfer (in foreign currency) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| International Incoming Wire Transfer (in USD) | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee to individuals 18 years of age and under and 65 years of age and over | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Check | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee to individuals 18 years of age and under and 65 years of age and over | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary checks (sheet of 3 checks) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection items (per item) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Conversion Fee | $7Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item Charge | $6.84Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box Drilling Fee | $275Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Fee (assessed monthly) | $5Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box Lost Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Yearly Rental (10x10) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Yearly Rental (3x10) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Yearly Rental (3x4) Only available at our County St. New Bedford Branch | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Yearly Rental (3x5) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Yearly Rental (5x10) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments or Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| One-Time Loan Payment Fee | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 28, 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 Fall River Five Cents Savings Bank operates, and what regulators and customers have on file.
Branch footprint
13 offices in 2 states, $1.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 13 | $1.4B |
Providence-Warwick, RI-MA
2.2% of bank deposits, #12 of 22, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citizens Bank, National Association | 28.1% |
| Bank of America, National Association | 19.6% |
| The Washington Trust Company, of Westerly | 8.5% |
| Santander Bank, N.A. | 6.9% |
| Beacon Bank and Trust | 4.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Providence-Warwick, RI-MA, Fall River Five Cents Savings Bank holds 2.2% of bank deposits, #12 of 22, with 13 offices.
496 offices of 56 institutions shown.
Showing 496 of 497 offices: the largest institutions' offices, with banks and credit unions in proportion.
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.
9 of 22 institutions shown. $61.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.2% share, 13 offices, #12 of 22
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
141 offices of 35 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.