Ulster Savings Bank

Headquarters: Kingston, New York
Charter: Bank
Assets: $1.4B
Fed district: New York
Regulator: FDIC

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

Source: its fee schedule, read Nov 3, 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 Nov 3, 2026

How these figures are measured

Call-report figures are for Ulster 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.	Ulster Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Ulster 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 $581K in Q2 2026, 1.8% above the same quarter a year earlier ($571K).
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
Can be waived with a balance of $2,500 or more.
Ulster Savings Bank: $8
Ulster Savings Bank: $8
U.S. median: no median
Non-Network ATM
Ulster Savings Bank: $1.50
Ulster Savings Bank: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Ulster Savings Bank: $30
Ulster Savings Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, 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).
New York: Banks and credit unions headquartered in New York 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 rose 2.3% from Q3 2025 to Q2 2026, to $581K.

Service-charge income, Q2 2026

$581K

$568KQ3 2025

$563KQ4 2025

$564KQ1 2026

$581KQ2 2026

Against the median

Ulster 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

Ulster 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 18 states.

Banks only
$1.3B to $1.4B 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
Ulster Savings Bank(this institution)	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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
Blue Sky Bank	Pawhuska, OK	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Century Bank	Santa Fe, NM	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Coastal Carolina National Bank	Myrtle Beach, SC	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Community Financial Services Bank	Benton, KY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
County National Bank	Hillsdale, MI	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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 American Bank and Trust	Vacherie, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Alabama	Talladega, AL	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
First State Bank	Eastpointe, MI	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fm Bank And Trust	Blytheville, AR	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
InBank	Raton, NM	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Merchants & Marine Bank	Pascagoula, MS	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Sabine State Bank and Trust Company	Many, LA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	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
Texas Security Bank	Dallas, TX	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.25 (3%) below the median of similar-sized banks.

Its published price is $8, against a peer median of $8.25 among 16 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

Ulster Savings BankPeer (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 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 Ulster 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: $581K
vs prior quarter: +$17K+3.0%; from Q1 2026
vs a year earlier: +$10K+1.8%; from Q2 2025
vs start of range: −$24K−4.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Ulster 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	$581K	+$17K	+3.0%
Q1 2026	$564K	+$1K	+0.2%
Q4 2025	$563K	−$5K	−0.9%
Q3 2025	$568K	−$3K	−0.5%
Q2 2025	$571K	+$25K	+4.6%
Q1 2025	$546K	−$44K	−7.5%
Q4 2024	$590K	−$15K	−2.5%
Q3 2024	$605K	+$41K	+7.3%

Service-charge share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly fee$8
per month
Early Closure of Account (within 5 months of opening)$25
Research/Reconciliation of Account (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Research/Reconciliation of Account (per hour) | $30.00

Overdraft & NSF

Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)$5
per day

ATM & Card

Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi$1.50
per transaction
MasterCard Check Card/ATM Card Replacement$10

Wire Transfers

Outgoing Wires or Cables (Domestic – per item)$30
per item
Incoming Wires$10
Outgoing Wires or Cables (International - per item)$100
per item

Check Services

Bank Checks (issued for depositors only)$8
Stop Payment (all stop payments)$30
Counter Check (per check)$1
per item
Photocopies (per item, check or page)$1
per item

Digital & Electronic

Online Bill PaymentNo charge
Online Bill Payment Overnight Check Expedited Fee$14.95
Online Bill Payment Same Day Electronic Payment Expedited Fee$9.95

Account Services

Late Payment Fee (per month after due date, charged up to 5 times once box is more than 30 days past due)$5
Not compared: Monthly charge, not annual
per month
Lost Key Replacement Fee$25
Not compared: Box drilling or key fee
Legal Process (Liens, levies, restraining orders, etc,) Per Action$100
Legal Process (Liens, levies, restraining orders, etc,) Per Action$100

Lending Fees

Plus credit report fee$20.30
Appraisal$150

Other Fees

Account Statement Copy (per statement)$3
Not compared: Charged per statement; comparison unavailable
per statement · Account Statement Copy (per statement) | $3.00

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$8	per month	None
Early Closure of Account (within 5 months of opening)	$25	Not stated	None
Research/Reconciliation of Account (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	Research/Reconciliation of Account (per hour) \| $30.00
Overdraft & NSF
Continuous Overdraft Fee/Negative Balance Fee (daily beginning on the 6th calendar day)	$5	per day	None
ATM & Card
Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savi	$1.50	per transaction	None
MasterCard Check Card/ATM Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Wires or Cables (Domestic – per item)	$30	per item	None
Incoming Wires	$10	Not stated	None
Outgoing Wires or Cables (International - per item)	$100	per item	None
Check Services
Bank Checks (issued for depositors only)	$8	Not stated	None
Stop Payment (all stop payments)	$30	Not stated	None
Counter Check (per check)	$1	per item	None
Photocopies (per item, check or page)	$1	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Online Bill Payment Overnight Check Expedited Fee	$14.95	Not stated	None
Online Bill Payment Same Day Electronic Payment Expedited Fee	$9.95	Not stated	None
Account Services
Late Payment Fee (per month after due date, charged up to 5 times once box is more than 30 days past due)	$5Not compared: Monthly charge, not annual	per month	None
Lost Key Replacement Fee	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process (Liens, levies, restraining orders, etc,) Per Action	$100	Not stated	None
Legal Process (Liens, levies, restraining orders, etc,) Per Action	$100	Not stated	None
Lending Fees
Plus credit report fee	$20.30	Not stated	None
Appraisal	$150	Not stated	None
Other Fees
Account Statement Copy (per statement)	$3Not compared: Charged per statement; comparison unavailable	per statement	Account Statement Copy (per statement) \| $3.00

Correct a fee source

Nov 3, 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 Ulster Savings Bank operates, and what regulators and customers have on file.

Market position

In Kingston, NY, Ulster Savings Bank holds 19.1% of bank deposits, #1 of 16, with 9 offices.

Compare fees with the 15 Kingston, NY banks and credit unions in its home-metro peer set →

Offices in the metro

56 offices of 21 institutions shown.

Ulster 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: Kingston, NY metro (FDIC metro code 28740), 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
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

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

1Ulster Savings Bank19.1%
2Wells Fargo Bank, National Association16.7%
3Manufacturers and Traders Trust Company12.0%
4Rondout Savings Bank8.6%
5Bank of America, National Association7.8%
6KeyBank National Association6.7%
7JPMorgan Chase Bank, National Association6.1%
8Sawyer Savings Bank4.7%

8 of 16 institutions shown. $5.0B 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: Kingston, NY metro (FDIC metro code 28740)
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: 19.1% share, 9 offices, #1 of 16

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: Kingston, NY 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

16 offices of 5 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.

Fee change alerts

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