Athol Savings Bank is an FDIC insured institution headquartered at
388 Main St, Athol, MA 01331.
It was founded in
1867 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.
Deposit Rates -
June 23, 2026
SAVINGS RATES
APY
MIN
SAV
0.01%
$10
Compare
MM RATES
APY
MIN
Money Market
0.75%
$10
Compare
Money Market
0.50%
$2,500
Compare
Money Market
1.00%
$50,000
Compare
Money Market
1.50%
$100,000
Compare
FIXED IRA RATES
APY
MIN
9 Mo FIRA
1.00%
$501
13 Mo FIRA
1.00%
$501
15 Mo FIRA
1.00%
$501
VARIABLE IRA RATES
APY
MIN
VIRA
0.01%
$10
INT CHECKING RATES
APY
MIN
INTCK
0.02%
$10
INTCK
0.05%
$2,500
Loan Rates -
June 23, 2026
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.56%
$2,765.60
20 Year Fixed Conforming
6.65%
$2,385.83
30 Year Fixed Conforming
6.86%
$2,075.51
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.56%
$2,765.60
20 Year Fixed Conforming
6.65%
$2,385.83
30 Year Fixed Conforming
6.86%
$2,075.51
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
3 Year
6.49%
$766.11
4 Year
6.74%
$595.65
5 Year
6.74%
$491.97
6 Year
6.99%
$426.11
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 90146
Date Established
1867
Assets
$ 681.20 million
Loans
$ 428.21 million
Deposits
$ 555.61 million
Capital
$ 67.55 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 75.61 million
Interest-bearing balances
$ 69.60 million
Total securities
$ 138.32 million
Federal funds sold and reverse repurchase
$ 0.08 million
Net loans and leases
$ 428.21 million
Loan loss allowance
$ 4.52 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 0.03 million
All other assets
$ 19.04 million
Total Assets
$ 610.30 million
LIABILITIES
Total deposits
$ 555.61 million
Interest-bearing deposits
$ 477.13 million
Deposits held in domestic offices
$ 555.61 million
% insured (estimated)"
83.42%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 3.50 millionn
Total Liabilities
$ 610.30 million
Shareholders’ Equity
$ 70.91 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 27.94 million
Total Interest Expense
$ 11.61 million
Net interest income
$ 16.33 million
Provision for loan and lease losses
$ 0.07 million
Total non interest income
$ 4.11 million
Total non interest expense
$ 29.98 million
Pre-tax Net Operating Income
$ 1.92 million
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