Thomaston Savings Bank

Headquarters: Thomaston, Connecticut
Charter: Bank
Assets: $1.9B
Fed district: Boston

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for Thomaston 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) 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.	Thomaston Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Thomaston Savings 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 $646K in Q2 2026, 18% above the same quarter a year earlier ($548K).
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 $12.50, the middle of its prices
Thomaston Savings Bank: $10 to $15
Thomaston Savings Bank: $10 to $15
U.S. median: no median
NSF / Returned Item
Thomaston Savings Bank: $30
Thomaston Savings Bank: $30
U.S. median: no median
Non-Network ATM
Thomaston Savings Bank: $2
Thomaston Savings Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Connecticut, 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).
Connecticut: Banks and credit unions headquartered in Connecticut 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 rose 8.8% from Q3 2025 to Q2 2026, to $646K.

Service-charge income, Q2 2026

$646K

$594KQ3 2025

$633KQ4 2025

$621KQ1 2026

$646KQ2 2026

Against the median

Thomaston Savings 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

Thomaston 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 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
Thomaston Savings Bank(this institution)	Thomaston, CT	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	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
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
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
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 $4.50 (56%) above the median of similar-sized banks.

Compared at $12.50, the middle of its two prices, against a peer median of $8 among 12 publishing peers.

Its two checking prices are $10 and $15.

$12.50 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

Thomaston Savings Bank: 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 Thomaston 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: $646K
vs prior quarter: +$25K+4.0%; from Q1 2026
vs a year earlier: +$98K+17.9%; from Q2 2025
vs start of range: +$135K+26.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Thomaston Savings 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	$646K	+$25K	+4.0%
Q1 2026	$621K	−$12K	−1.9%
Q4 2025	$633K	+$39K	+6.6%
Q3 2025	$594K	+$46K	+8.4%
Q2 2025	$548K	+$48K	+9.6%
Q1 2025	$500K	−$24K	−4.6%
Q4 2024	$524K	+$13K	+2.5%
Q3 2024	$511K	+$42K	+9.0%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Checking accounts Monthly service charge (audience not stated, treated as personal)$15
per month
Monthly service fee$10
per month
Maintenance service fee (balance in the account falls below $1,000.00)$15
per month
Maintenance service fee (balance in the account falls below $1,000.00)$10
per month
Inactive Account Fee$15
per month

Overdraft & NSF

Insufficient Funds Fee Returned$30
per item
OD Protection Transfer Fee$5
per item

ATM & Card

ATM Withdrawal Fee$2
per transaction
International Service Assessment1%of the transaction

Wire Transfers

Wire Transfer Fee - Incoming (audience not stated, treated as personal)$15
per item · You may incur a charge from the corresponding bank in order to process a foreign wire

Check Services

Stop Payment Fee$30
per item
Temporary Check Fee$3
Not compared: Charged per page; comparison unavailable
per page
Image Statement Fee$3
Not compared: Monthly charge, not per item
per month
Records Copy Fee$5
per item · Per page

Digital & Electronic

ACH Entry Returned Fee$5
per item · Per originated ACH transaction returned by the recipient financial institution

Cash & Deposit

Rolled Coin Fee - Box (audience not stated, treated as personal)$2
per item · To purchase coin by box
Returned Deposited Item Fee$20
Night Deposit Lost Key Fee$30
per item

Account Services

4 x 5 Box and 5 x 5 Box$85
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$225
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$75
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$120
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$80
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$145
Safe Deposit Box 6 x 10 (audience not stated, treated as personal)$155
Safe Deposit Box 9 x 10 (audience not stated, treated as personal)$165
Safe Deposit Box Drilling Fee$200
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Payment Fee$10
Not compared: Box drilling or key fee
per item
Safe Deposit Box Lost Key Fee$30
Not compared: Box drilling or key fee
per item
Legal Process Fee$125

Gift & Prepaid Cards

Gift Card Fee$3
per item

Other Fees

Records Copy Fee$5
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Checking accounts Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Monthly service fee	$10	per month	None
Maintenance service fee (balance in the account falls below $1,000.00)	$15	per month	None
Maintenance service fee (balance in the account falls below $1,000.00)	$10	per month	None
Inactive Account Fee	$15	per month	None
Overdraft & NSF
Insufficient Funds Fee Returned	$30	per item	None
OD Protection Transfer Fee	$5	per item	None
ATM & Card
ATM Withdrawal Fee	$2	per transaction	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee - Incoming (audience not stated, treated as personal)	$15	per item	You may incur a charge from the corresponding bank in order to process a foreign wire
Check Services
Stop Payment Fee	$30	per item	None
Temporary Check Fee	$3Not compared: Charged per page; comparison unavailable	per page	None
Image Statement Fee	$3Not compared: Monthly charge, not per item	per month	None
Records Copy Fee	$5	per item	Per page
Digital & Electronic
ACH Entry Returned Fee	$5	per item	Per originated ACH transaction returned by the recipient financial institution
Cash & Deposit
Rolled Coin Fee - Box (audience not stated, treated as personal)	$2	per item	To purchase coin by box
Returned Deposited Item Fee	$20	Not stated	None
Night Deposit Lost Key Fee	$30	per item	None
Account Services
4 x 5 Box and 5 x 5 Box	$85	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$225	Not stated	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$120	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$145	Not stated	None
Safe Deposit Box 6 x 10 (audience not stated, treated as personal)	$155	Not stated	None
Safe Deposit Box 9 x 10 (audience not stated, treated as personal)	$165	Not stated	None
Safe Deposit Box Drilling Fee	$200Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Payment Fee	$10Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Lost Key Fee	$30Not compared: Box drilling or key fee	per item	None
Legal Process Fee	$125	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$3	per item	None
Other Fees
Records Copy Fee	$5Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 8, 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 Thomaston Savings Bank operates, and what regulators and customers have on file.

Market position

In Waterbury-Shelton, CT, Thomaston Savings Bank holds 10.7% of bank deposits, #4 of 16, with 12 offices.

Compare fees with the 23 Waterbury-Shelton, CT banks and credit unions in its home-metro peer set →

Offices

The metro's counties are not on file, so no map is drawn. Competitors are listed in the deposit share chart.

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Webster Bank, National Association24.9%
2Wells Fargo Bank, National Association11.5%
3Bank of America, National Association10.8%
4Thomaston Savings Bank10.7%
5TD Bank, National Association10.6%
6Ion Bank8.2%
7Manufacturers and Traders Trust Company8.1%
8Liberty Bank4.3%

8 of 16 institutions shown. $12.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Waterbury-Shelton, CT metro (FDIC metro code 47930)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2023 to 2026

June 2026: 10.7% share, 12 offices, #4 of 16

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2023 to 2026
Area: Waterbury-Shelton, CT metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

24 offices of 14 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.

Fee change alerts

Get an email when Thomaston Savings Bank's safe deposit box changes in our data

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