Compared with Massachusetts
12 of 21
compared fees are above the median.
4 below, 5 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
20th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 21 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Newburyport 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. | Newburyport Five Cents Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 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 (20th 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 $124K in Q2 2026, 55% above the same quarter a year earlier ($80K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 21 compared published fees sit above the Massachusetts median; 4 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
Compared at $17.50, the middle of its prices
Monthly Maintenance
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
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 rose 41% from Q3 2025 to Q2 2026, to $124K. Its share of revenue, 1.1%, is below the 2.2% median for banks with $1B to $10B in assets.
$124K
Newburyport 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. *Overdraft: Listed at $5 to $30; we compare the highest.
Newburyport Five Cents Savings Bank · $1.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Newburyport Five Cents Savings Bank(this institution) | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alma Bank | Astoria, NY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| BankSouth | Greensboro, GA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BOM Bank | Natchitoches, LA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dieterich Bank | Effingham, IL | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grasshopper Bank, N.A. | New York, NY | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Landmark National Bank | Manhattan, KS | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Main Street Bank Corp. | Wooster, OH | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Northfield Savings Bank | Northfield, VT | $1.6B | 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 |
| PrimeSouth Bank | Blackshear, GA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Citizens Bank of Philadelphia, Mississippi | Philadelphia, MS | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Moody National Bank | Galveston, TX | $1.5B | 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 |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | Ogden, UT | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $10 among 19 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 Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Newburyport 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 | $124K | +$15K | +13.8% |
| Q1 2026 | $109K | −$9K | −7.6% |
| Q4 2025 | $118K | +$30K | +34.1% |
| Q3 2025 | $88K | +$8K | +10.0% |
| Q2 2025 | $80K | $0 | 0.0% |
| Q1 2025 | $80K | −$2K | −2.4% |
| Q4 2024 | $82K | −$6K | −6.8% |
| Q3 2024 | $88K | $0 | 0.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Newburyport 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 Newburyport Five Cents Savings Bank by share.
Amounts from Newburyport Five Cents Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Daily Balance Service Charge (Statement Cycle) (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closing Fee (account closed within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Closing Fee: Account Closed Within 90 Days of Opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Processing Fee (abandoned property) | $95Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research (hourly fee; 15 minute minimum charge of $8.00) | $32Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Special Handling Fee (per month, per account) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Item on Lifeline 18/65 Checking "Overdraft Fee" | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Insufficient Funds Fee on Lifeline 18/65 Checking or Student Checking | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| ODP Primary (CR) Fee: Overdraft Transfer Service Fee (Per Day) | $10Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM/Debit Card Replacement Card Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card Expedited Fee | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees Wire Transfer Outgoing (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming (Domestic) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing (International) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Incoming (International) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Bank Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Check Printing Costs Varies Collection Item Fee - Foreign (Canadian) | $20Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item - Foreign (Canadian) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item - Foreign (Non-Canadian) | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Fee - Foreign (Canadian) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Fee - Foreign (Non-Canadian) | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Imaged Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Expedited Bill Pay | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Account Services | |||
| Levy Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Fee (or) Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 6, 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 Newburyport Five Cents Savings Bank operates, and what regulators and customers have on file.
Branch footprint
12 offices in 2 states, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 12 | $1.3B |
Boston-Cambridge-Newton, MA-NH
0.2% of bank deposits, #27 of 100, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| State Street Bank and Trust Company | 41.7% |
| Bank of America, National Association | 16% |
| Citizens Bank, National Association | 10.1% |
| Santander Bank, N.A. | 5.7% |
| Eastern Bank | 4.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Boston-Cambridge-Newton, MA-NH, Newburyport Five Cents Savings Bank holds 0.2% of bank deposits, #27 of 100, with 12 offices.
900 offices of 38 institutions shown.
Showing 900 of 1,598 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 100 institutions shown. $580.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 12 offices, #27 of 100
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
313 offices of 99 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
We check once a day and send one email covering every change.