Banks ATHOL SAVINGS BANK

ATHOL SAVINGS BANK

ATHOL, MA Medium RSSD #408307
Latest · 2025-12-31

ATHOL SAVINGS BANK is an 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%. CET1 capital ratio: 19.26%, well above regulatory minimums. NPL ratio: 0.72% · Texas Ratio: 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 Margin2.77%
Yield on Assets4.60%
Cost of Funds1.88%

Asset Quality

NPL Ratio0.72%
Net Charge-Off Ratio0.04%
Texas Ratio4.33%
NPA Ratio0.46%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio19.26%
Tier 1 Capital19.26%
Total Capital Ratio20.45%
Leverage Ratio11.27%
Loan-to-Deposit77.88%

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