Fairfield County Bank

Headquarters: Ridgefield, Connecticut
Charter: Bank
Assets: $1.9B
Fed district: New York
Regulator: FDIC
Holding company: Fairfield County Bank Mhc

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

Source: its fee schedule, read Oct 4, 2026.

Overview

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
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 4, 2026

How these figures are measured

Call-report figures are for Fairfield County 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) 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.	Fairfield County Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Fairfield County Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $421K in Q2 2026, 8.2% above the same quarter a year earlier ($389K).
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
Fairfield County Bank: $5
Fairfield County Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Fairfield County Bank: $25
Fairfield County Bank: $25
U.S. median: no median
Stop Payment
Fairfield County Bank: $37
Fairfield County Bank: $37
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Connecticut, the New York 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).
Connecticut: Banks and credit unions headquartered in Connecticut that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 rose 4.7% from Q3 2025 to Q2 2026, to $421K.

Service-charge income, Q2 2026

$421K

$402KQ3 2025

$397KQ4 2025

$405KQ1 2026

$421KQ2 2026

Against the median

Fairfield County BankMedian

Sources and open questions

FFIEC 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

Fairfield County 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 17 states.

Banks only
$1.8B to $2.1B in assets
Headquartered in 17 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
Fairfield County Bank(this institution)	Ridgefield, CT	$1.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blackhawk Bank & Trust	Milan, IL	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Fall River Five Cents Savings Bank	Fall River, MA	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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 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 National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
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
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
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
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
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 Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (41%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $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

Fairfield County BankPeer (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 Fairfield County 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: $421K
vs prior quarter: +$16K+4.0%; from Q1 2026
vs a year earlier: +$32K+8.2%; from Q2 2025
vs start of range: −$51K−10.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Fairfield County Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$421K	+$16K	+4.0%
Q1 2026	$405K	+$8K	+2.0%
Q4 2025	$397K	−$5K	−1.2%
Q3 2025	$402K	+$13K	+3.3%
Q2 2025	$389K	−$35K	−8.3%
Q1 2025	$424K	−$14K	−3.2%
Q4 2024	$438K	−$34K	−7.2%
Q3 2024	$472K	+$42K	+9.8%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Fairfield County Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Fee$5
per month
Dormancy Fee$8
Research Fee$25
Paper Statement$2
Paper StatementsNo charge
Returned Mail Fee (per item)$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Daily Negative Balance Fee$10
per day

Wire Transfers

Outgoing Domestic Wire Fee$25
Incoming Domestic Wire Fee$15
Outgoing International Wire Fee$50
Incoming International Wire Fee$25

Check Services

Official Bank Check$10
Stop Payment Fee$37
Temporary Check (per check)$2
per item
Copies of deposited items, paid items$5

Digital & Electronic

Bill Pay Overnight Check Fee$19.95
Bill Pay Same Day Payment Fee$14.95
Online Bill PayNo charge

Cash & Deposit

Counting Loose Coin10%
Returned Deposit Item Charge$25

Account Services

Notary Fee$5
Safe Deposit Box Drilling (plus technician fee)$50
Not compared: Box drilling or key fee
Safe Deposit Box Late Charge (per month)$5
Not compared: Monthly charge, not annual
per month
Safe Deposit Lost Key (per key)$25
Not compared: Box drilling or key fee
per item
Verification of Deposit Form$15

Retirement & IRA

IRA Account Transfer Fee$25

Other Fees

Overnight Mail Fee$35
Interim Statements$10

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Fee	$5	per month	None
Dormancy Fee	$8	Not stated	None
Research Fee	$25	Not stated	None
Paper Statement	$2	Not stated	None
Paper Statements	No charge	Not stated	None
Returned Mail Fee (per item)	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Daily Negative Balance Fee	$10	per day	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	Not stated	None
Incoming Domestic Wire Fee	$15	Not stated	None
Outgoing International Wire Fee	$50	Not stated	None
Incoming International Wire Fee	$25	Not stated	None
Check Services
Official Bank Check	$10	Not stated	None
Stop Payment Fee	$37	Not stated	None
Temporary Check (per check)	$2	per item	None
Copies of deposited items, paid items	$5	Not stated	None
Digital & Electronic
Bill Pay Overnight Check Fee	$19.95	Not stated	None
Bill Pay Same Day Payment Fee	$14.95	Not stated	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Counting Loose Coin	10%	Not stated	None
Returned Deposit Item Charge	$25	Not stated	None
Account Services
Notary Fee	$5	Not stated	None
Safe Deposit Box Drilling (plus technician fee)	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Charge (per month)	$5Not compared: Monthly charge, not annual	per month	None
Safe Deposit Lost Key (per key)	$25Not compared: Box drilling or key fee	per item	None
Verification of Deposit Form	$15	Not stated	None
Retirement & IRA
IRA Account Transfer Fee	$25	Not stated	None
Other Fees
Overnight Mail Fee	$35	Not stated	None
Interim Statements	$10	Not stated	None

Correct a fee source

Oct 4, 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.

Branches and public record

Where Fairfield County Bank operates, and what regulators and customers have on file.

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 4, 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

Get an email when Fairfield County Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.