Compared with Massachusetts
10 of 19
compared fees are above the median.
2 below, 7 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
52nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 19 compared; 2 below, 7 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Greenfield 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. | Greenfield Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (52nd 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 $300K in Q2 2026, 5.7% below the same quarter a year earlier ($318K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 19 compared published fees sit above the Massachusetts median; 2 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.
Monthly Maintenance
Emerald Checking Account
Overdraft (OD)
Non-Network ATM
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 fell 8.8% from Q3 2025 to Q2 2026, to $300K. Its share of revenue, 2.2%, is above the 2.2% median for banks with $1B to $10B in assets.
$300K
Greenfield 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.
Greenfield Savings Bank · $1.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Greenfield Savings Bank(this institution) | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| 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 |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | 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 |
| 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 |
| 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 |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Northfield Savings Bank | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| 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 |
| 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 |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 · 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 $25, against a peer median of $6.95 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 Greenfield 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 | $300K | −$3K | −1.0% |
| Q1 2026 | $303K | −$9K | −2.9% |
| Q4 2025 | $312K | −$17K | −5.2% |
| Q3 2025 | $329K | +$11K | +3.5% |
| Q2 2025 | $318K | +$71K | +28.7% |
| Q1 2025 | $247K | −$16K | −6.1% |
| Q4 2024 | $263K | +$11K | +4.4% |
| Q3 2024 | $252K | +$22K | +9.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Greenfield 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 Greenfield Savings Bank by share.
Amounts from Greenfield Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waived with $25k or a relationship balance of $100k
per month
per hour
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Emerald Checking Account Monthly service charge | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | waived with $25k or a relationship balance of $100k |
| Abandoned Property Fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee - (Fee assessed monthly after 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research and Register Balancing (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Hold Flag | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (OD) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Transfer Charge | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM or Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming Domestic | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers - Incoming International | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment - Checks or ACH items | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (a.k.a. Temporary Checks) - per page | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-customer check cashing fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Photocopies (per check or statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Non-Customer Notary Fee - per item | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Drilling Fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Lost Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Monthly Late Charge | $5Not compared: Monthly charge, not annual | per month | None |
| Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA and SEP External Transfer Request | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee - (Fee assessed monthly after 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research and Register Balancing (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Mailing Fee (Business Accounts Only) | $2 | Not stated | None |
| Returned Mail Hold Flag | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (OD) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Transfer Charge | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM or Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Incoming Domestic | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers - Incoming International | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment - Checks or ACH items | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (a.k.a. Temporary Checks) - per page | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-customer check cashing fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Photocopies (per check or statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Non-Customer Notary Fee - per item | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Drilling Fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Lost Key | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Monthly Late Charge | $5Not compared: Monthly charge, not annual | per month | None |
| Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA and SEP External Transfer Request | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Oct 12, 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 Greenfield Savings Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $954.2M |
| 4 | $300.2M |
Amherst Town-Northampton, MA
4.6% of bank deposits, #7 of 15.
| Largest competitors here | Deposit share |
|---|---|
| Florence Bank | 25.3% |
| Bankesb | 22.8% |
| Bank of America, National Association | 12.4% |
| PeoplesBank | 8.8% |
| Country Bank for Savings | 8.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Amherst Town-Northampton, MA, Greenfield Savings Bank holds 4.6% of bank deposits, #7 of 15, with 4 offices.
56 offices of 19 institutions shown.
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.
8 of 15 institutions shown. $6.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 4.6% share, 4 offices, #7 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
7 offices of 4 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 1, 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.