Watertown Savings Bank

Headquarters: Watertown, Massachusetts
Charter: Bank
Assets: $1.4B
Fed district: Boston
Regulator: Federal Reserve

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

Source: its fee schedule, read Oct 11, 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 11, 2026

How these figures are measured

Call-report figures are for Watertown 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.	Watertown Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Watertown 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 $185K in Q2 2026, 1.1% above the same quarter a year earlier ($183K).
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.

Wire Transfer (Domestic Out)
Watertown Savings Bank: $20
Watertown Savings Bank: $20
U.S. median: no median
Debit Card Replacement
Watertown Savings Bank: $5
Watertown Savings Bank: $5
U.S. median: no median
Account Research
Watertown Savings Bank: $25
Watertown Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

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).
Massachusetts: Banks and credit unions headquartered in Massachusetts 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 3.9% from Q3 2025 to Q2 2026, to $185K.

Service-charge income, Q2 2026

$185K

$178KQ3 2025

$182KQ4 2025

$190KQ1 2026

$185KQ2 2026

Against the median

Watertown 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

Watertown Savings Bank · $1.4B 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
$1.4B to $1.5B 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
Watertown Savings Bank(this institution)	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Alliance Bank	Sulphur Springs, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Central National Bank	Junction City, KS	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers & Merchants Bank	Timberville, VA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Independence Bank	Havre, MT	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ulster Savings Bank	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	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

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

The peer median is $9 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 Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Watertown Savings BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 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 Watertown 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: $185K
vs prior quarter: −$5K−2.6%; from Q1 2026
vs a year earlier: +$2K+1.1%; from Q2 2025
vs start of range: −$4K−2.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Watertown 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	$185K	−$5K	−2.6%
Q1 2026	$190K	+$8K	+4.4%
Q4 2025	$182K	+$4K	+2.2%
Q3 2025	$178K	−$5K	−2.7%
Q2 2025	$183K	+$11K	+6.4%
Q1 2025	$172K	−$13K	−7.0%
Q4 2024	$185K	−$4K	−2.1%
Q3 2024	$189K	+$16K	+9.2%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Wire Transfers

Outgoing Wire Transfer (audience not stated, treated as personal)$20

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	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

Account Maintenance

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50
Returned Deposited Item (Business accounts only)$10

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Returned Deposited Item (Business accounts only)	$10	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	Not stated	None

Correct a fee source

Oct 11, 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.

Fee change alerts

Get an email when Watertown Savings Bank's foreign transaction changes in our data

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