ATHOL SAVINGS BANK

ATHOL, MA | Medium | RSSD #408307
Latest Report: 2025-12-31

ATHOL SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in ATHOL, MA. As of 2025-12-31, the bank reported total assets of $678M and total deposits of $556M. Profitability stands at -3.71% ROA and -35.78% ROE, with a net interest margin of 2.77%. The bank's CET1 capital ratio is 19.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 4.33%.

Assets

$678M

Deposits

$556M

Loans

$433M

Equity

$68M

Profitability

Return on Assets (ROA) -3.71%
Return on Equity (ROE) -35.78%
Net Interest Margin (NIM) 2.77%
Yield on Assets 4.60%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.04%
Texas Ratio 4.33%
NPA Ratio 0.46%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 19.26%
Tier 1 Capital 19.26%
Total Capital Ratio 20.45%
Leverage Ratio 11.27%
Loan-to-Deposit 77.88%

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