Compared with Massachusetts
15 of 23
compared fees are above the median.
4 below, 4 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
41st percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 23 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Beacon Bank and Trust 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 95 banks with $10B to $50B 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. | Beacon Bank and Trust's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.5% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (41st 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 $5.6M in Q2 2026, 1134% above the same quarter a year earlier ($452K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
15 of 23 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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 76% from Q3 2025 to Q2 2026, to $5.6M. Its share of revenue, 2.5%, is below the 2.9% median for banks with $10B to $50B in assets.
$5.6M
Beacon Bank and TrustMedian
FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Beacon Bank and Trust · $22.2B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Beacon Bank and Trust(this institution) | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apple Bank | New York, NY | $19.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Mechanics Bank | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Seacoast National Bank | Stuart, FL | $21.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stifel Bank and Trust | Saint Louis, MO | $19.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
The peer median is $10 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Beacon Bank and Trust does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Beacon Bank and Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.6M | −$6K | −0.1% |
| Q1 2026 | $5.6M | −$1.0M | −15.3% |
| Q4 2025 | $6.6M | +$3.4M | +108.1% |
| Q3 2025 | $3.2M | +$2.7M | +601.1% |
| Q2 2025 | $452K | +$3K | +0.7% |
| Q1 2025 | $449K | +$6K | +1.4% |
| Q4 2024 | $443K | +$22K | +5.2% |
| Q3 2024 | $421K | +$10K | +2.4% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Beacon Bank and Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Beacon Bank and Trust by share.
Amounts from Beacon Bank and Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per item
per item
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research Fee, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transaction Fee4, 6, 15 | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Statement Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee. 1 (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/Unavailable Funds (UAF) Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Item Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous OD (Overdraft) Fee | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Protection, per transfer | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Direct S/C-Fee (non-Beacon Bank ATMs) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Replacement Card Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Expedited Card Replacement Fee | $65Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International ATM/Debit Transactions | 3% | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfers: Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfers: Foreign Currency Outgoing | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfers: USD Outgoing | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfers: Foreign Currency Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check: Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders: Customer | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Counter Checks, per page (4 Checks per page) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Card (for Non-Customers) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Collection Fee | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy Fee, per item or per page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key Fee | No chargeNot compared: Box drilling or key fee | Not stated | None |
| Subpoena Research Fee, per hour | $75Not compared: Charged per hour; comparison unavailable | per hour | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate or Interim Statement Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy with Images Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Tax Form Copy Fee, per form | $5Inside the U.S. middle 50% ($2 to $5 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 17, 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 Beacon Bank and Trust operates, and what regulators and customers have on file.
Branch footprint
150 offices in 5 states, $18.6B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 34 | $7.6B | |
| 26 | $2.8B | |
| 13 | $1.5B | |
| 13 | $1.3B | |
| 11 | $1.1B | |
| 11 | $990.3M | |
| Outside a metro area | 10 | $731.1M |
| 8 | $729.1M |
Boston-Cambridge-Newton, MA-NH
1.3% of bank deposits, #8 of 100, up 0.5 points 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, Beacon Bank and Trust holds 1.3% of bank deposits, #8 of 100, with 34 offices.
900 offices of 37 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.
8 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: 1.3% share, 34 offices, #8 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.
Consumer complaints
33 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 12 |
| Problem with a lender or other company charging your account | 4 |
| Closing an account | 3 |
| Problem caused by your funds being low | 3 |
| Trouble during payment process | 3 |
| Incorrect information on your report | 2 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
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.
Holding company
Beacon Financial Corp (NYSE: BBT)
Consolidated assets
$22.3B
Shareholders' equity
$2.5B
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1108134. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.