Beacon Bank and Trust

Headquarters: Brookline, Massachusetts
Charter: Bank
Assets: $22.2B
Fed district: Boston
Regulator: Federal Reserve
Holding company: Beacon Financial Corp.

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

Source: its fee schedule, read Oct 17, 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 17, 2026

How these figures are measured

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) 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.	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

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Beacon Bank and Trust (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Beacon Bank and Trust: $35
Beacon Bank and Trust: $35
U.S. median: no median
NSF / Returned Item
Beacon Bank and Trust: No fee
Beacon Bank and Trust: No fee
U.S. median: no median
Non-Network ATM
Beacon Bank and Trust: $3
Beacon Bank and Trust: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 76% from Q3 2025 to Q2 2026, to $5.6M.

Service-charge income, Q2 2026

$5.6M

$3.2MQ3 2025

$6.6MQ4 2025

$5.6MQ1 2026

$5.6MQ2 2026

Against the median

Beacon Bank and TrustMedian

Sources and open questions

FFIEC and FDIC call reportss, 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

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.

Banks only
$17.4B to $26.5B 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
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.

Fee type

Peer pricing snapshot

Beacon Bank and Trust does not publish a monthly maintenance fee in the index.

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.

Beacon Bank and TrustPeer (equal prices stack)Peer median

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.

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 Beacon Bank and Trust (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $5.6M
vs prior quarter: −$6K−0.1%; from Q1 2026
vs a year earlier: +$5.1M+1133.8%; from Q2 2025
vs start of range: +$5.2M+1224.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Beacon Bank and Trust (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

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

Published fee schedule

Amounts from Beacon Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$35
Account Reconciliation, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Transaction Fee4, 6, 15$10
Returned Statement Fee$10

Overdraft & NSF

Overdraft Fee. 1 (audience not stated, treated as personal)$35
per item
Overdraft/Unavailable Funds (UAF) Overdraft Fee$35
NSF Returned Item FeeNo charge
Continuous OD (Overdraft) Fee$35
Overdraft Protection, per transfer$10
per item

ATM & Card

Direct S/C-Fee (non-Beacon Bank ATMs)$3
ATM/Debit Replacement Card Fee$12
ATM/Debit Expedited Card Replacement Fee$65
International ATM/Debit Transactions3%

Wire Transfers

Domestic Wire Transfers: Outgoing$30
Domestic Wire Transfers: Incoming$15
International Wire Transfers: Foreign Currency Outgoing$25
International Wire Transfers: USD Outgoing$40
International Wire Transfers: Foreign Currency Incoming$15

Check Services

Cashier’s Check: Customer$10
Money Orders: Customer$5
Counter Checks, per page (4 Checks per page)$5
per item
Check Cashing Card (for Non-Customers)$5
Check Collection Fee$35
Copy Fee, per item or per page$5
per item

Account Services

Notary FeeNo charge
Drilling Fee$200
Not compared: Box drilling or key fee
Late Fee$25
Not compared: Box drilling or key fee
Replacement Key FeeNo charge
Not compared: Box drilling or key fee
Subpoena Research Fee, per hour$75
Not compared: Charged per hour; comparison unavailable
per hour

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Duplicate or Interim Statement Fee$5
Statement Copy with Images Fee$10
Tax Form Copy Fee, per form$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$35	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	$10	Not stated	None
Returned Statement Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Fee. 1 (audience not stated, treated as personal)	$35	per item	None
Overdraft/Unavailable Funds (UAF) Overdraft Fee	$35	Not stated	None
NSF Returned Item Fee	No charge	Not stated	None
Continuous OD (Overdraft) Fee	$35	Not stated	None
Overdraft Protection, per transfer	$10	per item	None
ATM & Card
Direct S/C-Fee (non-Beacon Bank ATMs)	$3	Not stated	None
ATM/Debit Replacement Card Fee	$12	Not stated	None
ATM/Debit Expedited Card Replacement Fee	$65	Not stated	None
International ATM/Debit Transactions	3%	Not stated	None
Wire Transfers
Domestic Wire Transfers: Outgoing	$30	Not stated	None
Domestic Wire Transfers: Incoming	$15	Not stated	None
International Wire Transfers: Foreign Currency Outgoing	$25	Not stated	None
International Wire Transfers: USD Outgoing	$40	Not stated	None
International Wire Transfers: Foreign Currency Incoming	$15	Not stated	None
Check Services
Cashier’s Check: Customer	$10	Not stated	None
Money Orders: Customer	$5	Not stated	None
Counter Checks, per page (4 Checks per page)	$5	per item	None
Check Cashing Card (for Non-Customers)	$5	Not stated	None
Check Collection Fee	$35	Not stated	None
Copy Fee, per item or per page	$5	per item	None
Account Services
Notary Fee	No charge	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	$50	Not stated	None
Other Fees
Duplicate or Interim Statement Fee	$5	Not stated	None
Statement Copy with Images Fee	$10	Not stated	None
Tax Form Copy Fee, per form	$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

Correct a fee source

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.

Branches and public record

Where Beacon Bank and Trust operates, and what regulators and customers have on file.

Market position

In Boston-Cambridge-Newton, MA-NH, Beacon Bank and Trust holds 1.3% of bank deposits, #8 of 100, with 34 offices.

Compare fees with the 123 Boston-Cambridge-Newton, MA-NH banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 37 institutions shown.

Beacon Bank and TrustOther banksCredit unions

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).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460), 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: 33 offices have no coordinates on file

Share of bank deposits

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

1State Street Bank and Trust Company41.7%
2Bank of America, National Association16.0%
3Citizens Bank, National Association10.1%
4Santander Bank, N.A.5.7%
5Eastern Bank4.1%
6TD Bank, National Association3.1%
7Rockland Trust Company2.7%
8Beacon Bank and Trust1.3%

8 of 100 institutions shown. $580.3B 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: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460)
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: 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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Boston-Cambridge-Newton, MA-NH 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

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.

Fee change alerts

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