Ives Bank

Headquarters: Danbury, Connecticut
Charter: Bank
Assets: $1.7B
Fed district: New York
Regulator: FDIC
Holding company: Ives Mutual Holding Co Inc.

13 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 Ives 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.	Ives 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: Ives 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 $605K in Q2 2026, 9.6% above the same quarter a year earlier ($552K).
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.

Overdraft (OD)
Ives Bank: $35
Ives Bank: $35
U.S. median: no median
NSF / Returned Item
Ives Bank: $35
Ives Bank: $35
U.S. median: no median
Non-Network ATM
Ives Bank: $1
Ives Bank: $1
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 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 fell 1.9% from Q3 2025 to Q2 2026, to $605K.

Service-charge income, Q2 2026

$605K

$617KQ3 2025

$625KQ4 2025

$606KQ1 2026

$605KQ2 2026

Against the median

Ives 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

Ives Bank · $1.7B 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.

Banks only
$1.6B to $1.9B in assets
Headquartered in 18 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
Ives Bank(this institution)	Danbury, CT	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	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
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
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
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
International Bank of Commerce	Oklahoma City, OK	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Finance Bank	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
Pacific National Bank	Miami, FL	$1.6B	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 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 Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Virginia National Bank	Charlottesville, VA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Ives Bank does not publish a monthly maintenance fee in the index.

The peer median is $8.95 among 17 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

Ives Bank does not publish a monthly maintenance fee, so it is not on this chart.

Ives BankPeer (equal prices stack)Peer medianInclude $45 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Ives 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: $605K
vs prior quarter: −$1K−0.2%; from Q1 2026
vs a year earlier: +$53K+9.6%; from Q2 2025
vs start of range: +$11K+1.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Ives 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	$605K	−$1K	−0.2%
Q1 2026	$606K	−$19K	−3.0%
Q4 2025	$625K	+$8K	+1.3%
Q3 2025	$617K	+$65K	+11.8%
Q2 2025	$552K	−$18K	−3.2%
Q1 2025	$570K	−$33K	−5.5%
Q4 2024	$603K	+$9K	+1.5%
Q3 2024	$594K	+$57K	+10.6%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Inactivity fee (monthly)$2
per month
Account balancing assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail processing$5

Overdraft & NSF

Nonsufficient Funds (NSF) - paid$35
Nonsufficient Funds (NSF) - returned (each item)$35
per item
Overdraft protection transfer fee$10

ATM & Card

Debit Card used at non-Ives ATM$1
per transaction
Damaged card replacement same-day$25
Replace Debit card$10

Check Services

Money order$3
Check printing$15
Stop payments - per item$30
per item
Stop payments - range of checks$30

Account Services

Notary service (non-customer)$5
per item
Subpoenas$125

Retirement & IRA

IRA transfer fee$25

Fee	Amount	Basis	Note
Account Maintenance
Inactivity fee (monthly)	$2	per month	None
Account balancing assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail processing	$5	Not stated	None
Overdraft & NSF
Nonsufficient Funds (NSF) - paid	$35	Not stated	None
Nonsufficient Funds (NSF) - returned (each item)	$35	per item	None
Overdraft protection transfer fee	$10	Not stated	None
ATM & Card
Debit Card used at non-Ives ATM	$1	per transaction	None
Damaged card replacement same-day	$25	Not stated	None
Replace Debit card	$10	Not stated	None
Check Services
Money order	$3	Not stated	None
Check printing	$15	Not stated	None
Stop payments - per item	$30	per item	None
Stop payments - range of checks	$30	Not stated	None
Account Services
Notary service (non-customer)	$5	per item	None
Subpoenas	$125	Not stated	None
Retirement & IRA
IRA transfer fee	$25	Not stated	None

Account Maintenance

Monthly service charge$5
per month
Monthly service feeNo charge
per month
Account Closing (less than 90 Days) Fee$15
Inactivity fee$5

Wire Transfers

Outgoing Domestic Wire Fee$25
per item
Incoming Domestic Wire Fee$15
per item
Outgoing International Wire Fee$45
per item
Incoming International Wire Fee$15
per item

Check Services

Bank Check$5
per item
Certified Check$25
per item
Counter Check$0.50
per item

Digital & Electronic

ACH Origination$40
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Return Deposited Item Fee$15
per item

Account Services

Late Fee (after 30 days)$10
Not compared: Box drilling or key fee
Lost Key Fee$20
Not compared: Box drilling or key fee
Safe Deposit Box Drilling Fee$200
Not compared: Box drilling or key fee
Levies, and any other legal documents that require funds to be attached$125

Other Fees

Interim Statements FeeNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Monthly service fee	No charge	per month	None
Account Closing (less than 90 Days) Fee	$15	Not stated	None
Inactivity fee	$5	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$25	per item	None
Incoming Domestic Wire Fee	$15	per item	None
Outgoing International Wire Fee	$45	per item	None
Incoming International Wire Fee	$15	per item	None
Check Services
Bank Check	$5	per item	None
Certified Check	$25	per item	None
Counter Check	$0.50	per item	None
Digital & Electronic
ACH Origination	$40Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Return Deposited Item Fee	$15	per item	None
Account Services
Late Fee (after 30 days)	$10Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Levies, and any other legal documents that require funds to be attached	$125	Not stated	None
Other Fees
Interim Statements Fee	No charge	Not stated	None

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 Ives Bank operates, and what regulators and customers have on file.

Market position

In Bridgeport-Stamford-Danbury, CT, Ives Bank holds 1.6% of bank deposits, #12 of 25, with 13 offices.

Compare fees with the 36 Bridgeport-Stamford-Danbury, 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 Association40.7%
2Manufacturers and Traders Trust Company11.5%
3Bank of America, National Association9.5%
4JPMorgan Chase Bank, National Association8.6%
5Wells Fargo Bank, National Association5.5%
6Bankwell Bank3.4%
7Citibank, National Association3.2%
8Union Savings Bank2.5%
12Ives Bank1.6%

9 of 25 institutions shown. $77.9B 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: Bridgeport-Stamford-Danbury, CT metro (FDIC metro code 14860)
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: 1.6% share, 13 offices, #12 of 25

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: Bridgeport-Stamford-Danbury, 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

49 offices of 26 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

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