Bank Comparison
Athol Savings Bank vs Constitution Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 17
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| CET1 Ratio | 19.26% | — |
| Tier 1 Capital Ratio | 19.26% | — |
| Total Capital Ratio | 20.45% | — |
| Tier 1 Leverage Ratio | 11.27% | 10.09% |
| Equity / Assets | 9.96% | 8.81% |
Profitability
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | -3.64% | 1.19% |
| Return on Equity (ROE) | -35.78% | 13.65% |
| Net Interest Margin (NIM) | 2.55% | 3.56% |
| Yield on Earning Assets | 4.27% | 5.20% |
| Cost of Funds | 1.88% | 1.77% |
Asset quality
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| Texas Ratio | 5.38% | 3.62% |
| Non-Performing Loan Ratio | 0.89% | 0.50% |
| Non-Performing Asset Ratio | 0.57% | 0.35% |
| Net Charge-Off Ratio | 0.05% | 0.00% |
| ACL / Loans | 1.04% | 1.26% |
Balance sheet
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| Total Assets | $677,842K | $678,934K |
| Total Deposits | $555,612K | $615,810K |
| Total Loans | $432,725K | $476,322K |
| Total Equity | $67,545K | $59,837K |
| Net Income (quarter) | $-6,297 | $2,025K |
Liquidity & funding
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 77.88% | 77.35% |
| Core Deposit Ratio | 84.20% | 90.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Athol Savings Bank | Constitution Bank, N.A. |
|---|---|---|
| Headquarters City | Athol | HILLSBORO |
| Headquarters State | MA | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 14509 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 12 |
| Employees (FTE) | 72 | 112 |
| Established | Feb. 12, 1867, midnight | Jan. 1, 1869, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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