Androscoggin Savings Bank

Headquarters: Lewiston, Maine
Charter: Bank
Assets: $1.8B
Fed district: Boston
Regulator: FDIC
Holding company: Androscoggin Bancorp Mhc

18 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
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 31, 2026

How these figures are measured

Call-report figures are for Androscoggin 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.	Androscoggin 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: FFIEC call report (bulk data)
Entity: Androscoggin 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 $175K in Q2 2026, 13% below the same quarter a year earlier ($202K).
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
Mobile Checking $5 · Companion Checking $10 · Preferred Checking $15
Compared at $10, the middle of its prices
Androscoggin Savings Bank: $5 to $15
Androscoggin Savings Bank: $5 to $15
U.S. median: no median
Overdraft (OD)
Androscoggin Savings Bank: $35
Androscoggin Savings Bank: $35
U.S. median: no median
NSF / Returned Item
Androscoggin Savings Bank: $35
Androscoggin Savings Bank: $35
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 rose 1.7% from Q3 2025 to Q2 2026, to $175K.

Service-charge income, Q2 2026

$175K

$172KQ3 2025

$165KQ4 2025

$164KQ1 2026

$175KQ2 2026

Against the median

Androscoggin 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

Androscoggin Savings Bank · $1.8B 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
$1.6B to $1.9B 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
Androscoggin Savings Bank(this institution)	Lewiston, ME	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Benchmark Bank	Plano, TX	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cape & Coast Bank	Yarmouth Port, MA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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
Community Bank	Carmichaels, PA	$1.7B	Monthly maintenance not published	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
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
FirstBank Southwest	Amarillo, TX	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Forcht Bank, National Association	Lexington, KY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawthorn Bank	Jefferson City, MO	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horicon Bank	Horicon, WI	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	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
Main Street Bank	Marlborough, MA	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meredith Village Savings Bank	Meredith, NH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
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 National Bank of Blacksburg	Blacksburg, VA	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Ohio Valley Bank Company	Gallipolis, OH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Sioux City, Iowa	Sioux City, IA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
US Metro Bank	Garden Grove, CA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	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 $2.25 (29%) above the median of similar-sized banks.

Compared at $10, the middle of its three prices, against a peer median of $7.75 among 14 publishing peers.

Its three checking prices are $5, $10 and $15.

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

Androscoggin 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 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 Androscoggin 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: $175K
vs prior quarter: +$11K+6.7%; from Q1 2026
vs a year earlier: −$27K−13.4%; from Q2 2025
vs start of range: −$16K−8.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Androscoggin 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	$175K	+$11K	+6.7%
Q1 2026	$164K	−$1K	−0.6%
Q4 2025	$165K	−$7K	−4.1%
Q3 2025	$172K	−$30K	−14.9%
Q2 2025	$202K	+$6K	+3.1%
Q1 2025	$196K	−$17K	−8.0%
Q4 2024	$213K	+$22K	+11.5%
Q3 2024	$191K	+$6K	+3.2%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Companion Checking Monthly service charge$10
per month
Preferred Checking Monthly service charge$15
per month
Service charge$5
per month
Early Account Closure (within 90 days)$25
per item
Abandoned Property Escheat fee$20
Statement Return Incorrect Address$10

Overdraft & NSF

Paid Overdraft Fee$35
per item
Returned Item Fee$35
per item

Wire Transfers

Wire Transfers: Domestic Outgoing (client)$25
Wire Transfers: Domestic Incoming (client)$15

Check Services

Treasurer's Check (Clients Only)$5
Money Order (Clients Only)$4
Check Cashing for non-clients$10
Copy of Check$1
per item

Cash & Deposit

Wire Transfers: Returned Deposited Items and return of ACH$15
Night Deposit Key Replacement$15

Account Services

Box Drilling$20
Not compared: Box drilling or key fee
Key Replacement$20
Not compared: Box drilling or key fee
Garnishment/Levy$35
Legal Processing (subpoenas, summons, levies, etc.)$100

Lending Fees

Processing Fee (boat, camper, tractor, motorcycle, ATV, and snowmobile loans) (audience not stated, treated as personal)$250
one time
Processing Fee (consumer vehicle loans)$250
one time
Processing Fee (personal savings secured loans)$95
one time
Processing Fee (personal unsecured loans)$95
one time

Retirement & IRA

IRA Transfer to another Source$35
per item

Other Fees

Copy of Statement$5
per item
Duplicate Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Companion Checking Monthly service charge	$10	per month	None
Preferred Checking Monthly service charge	$15	per month	None
Service charge	$5	per month	None
Early Account Closure (within 90 days)	$25	per item	None
Abandoned Property Escheat fee	$20	Not stated	None
Statement Return Incorrect Address	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$35	per item	None
Returned Item Fee	$35	per item	None
Wire Transfers
Wire Transfers: Domestic Outgoing (client)	$25	Not stated	None
Wire Transfers: Domestic Incoming (client)	$15	Not stated	None
Check Services
Treasurer's Check (Clients Only)	$5	Not stated	None
Money Order (Clients Only)	$4	Not stated	None
Check Cashing for non-clients	$10	Not stated	None
Copy of Check	$1	per item	None
Cash & Deposit
Wire Transfers: Returned Deposited Items and return of ACH	$15	Not stated	None
Night Deposit Key Replacement	$15	Not stated	None
Account Services
Box Drilling	$20Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$35	Not stated	None
Legal Processing (subpoenas, summons, levies, etc.)	$100	Not stated	None
Lending Fees
Processing Fee (boat, camper, tractor, motorcycle, ATV, and snowmobile loans) (audience not stated, treated as personal)	$250	one time	None
Processing Fee (consumer vehicle loans)	$250	one time	None
Processing Fee (personal savings secured loans)	$95	one time	None
Processing Fee (personal unsecured loans)	$95	one time	None
Retirement & IRA
IRA Transfer to another Source	$35	per item	None
Other Fees
Copy of Statement	$5	per item	None
Duplicate Statement	$5	per item	None

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

Account Maintenance

Early Account Closure (within 90 days)$25
per item
Abandoned Property Escheat fee$20
Statement Return Incorrect Address$10

Overdraft & NSF

Paid Overdraft Fee$35
per item
Returned Item Fee$35
per item

Wire Transfers

Wire Transfers: Domestic Outgoing (client)$25
Wire Transfers: Domestic Incoming (client)$15

Check Services

Treasurer's Check (Clients Only)$5
Money Order (Clients Only)$4
Check Cashing for non-clients$10
Copy of Check$1
per item

Digital & Electronic

Small Business Online ACH Origination$1
per item

Cash & Deposit

Wire Transfers: Returned Deposited Items and return of ACH$15
Night Deposit Key Replacement$15

Account Services

Box Drilling$20
Not compared: Box drilling or key fee
Key Replacement$20
Not compared: Box drilling or key fee
Garnishment/Levy$35
Legal Processing (subpoenas, summons, levies, etc.)$100

Retirement & IRA

IRA Transfer to another Source$35
per item

Other Fees

Copy of Statement$5
per item
Duplicate Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within 90 days)	$25	per item	None
Abandoned Property Escheat fee	$20	Not stated	None
Statement Return Incorrect Address	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$35	per item	None
Returned Item Fee	$35	per item	None
Wire Transfers
Wire Transfers: Domestic Outgoing (client)	$25	Not stated	None
Wire Transfers: Domestic Incoming (client)	$15	Not stated	None
Check Services
Treasurer's Check (Clients Only)	$5	Not stated	None
Money Order (Clients Only)	$4	Not stated	None
Check Cashing for non-clients	$10	Not stated	None
Copy of Check	$1	per item	None
Digital & Electronic
Small Business Online ACH Origination	$1	per item	None
Cash & Deposit
Wire Transfers: Returned Deposited Items and return of ACH	$15	Not stated	None
Night Deposit Key Replacement	$15	Not stated	None
Account Services
Box Drilling	$20Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$35	Not stated	None
Legal Processing (subpoenas, summons, levies, etc.)	$100	Not stated	None
Retirement & IRA
IRA Transfer to another Source	$35	per item	None
Other Fees
Copy of Statement	$5	per item	None
Duplicate Statement	$5	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.

Branches and public record

Where Androscoggin Savings Bank operates, and what regulators and customers have on file.

Market position

In Lewiston-Auburn, ME, Androscoggin Savings Bank holds 36.4% of bank deposits, #1 of 9, with 4 offices.

Compare fees with the 13 Lewiston-Auburn, ME banks and credit unions in its home-metro peer set →

Offices in the metro

34 offices of 18 institutions shown.

Androscoggin Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Lewiston-Auburn, ME metro (FDIC metro code 30340), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

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

1Androscoggin Savings Bank36.4%
2TD Bank, National Association17.6%
3Maine Community Bank11.1%
4Northeast Bank10.3%
5The Camden National Bank8.9%
6Bangor Savings Bank6.3%
7KeyBank National Association3.9%
8Auburn Savings Bank, FSB3.6%

8 of 9 institutions shown. $2.1B 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: Lewiston-Auburn, ME metro (FDIC metro code 30340)
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, 2010 to 2026

June 2026: 36.4% share, 4 offices, #1 of 9

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Lewiston-Auburn, ME 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

15 offices of 9 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 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 Androscoggin Savings Bank's ach origination changes in our data

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