Athol Savings Bank


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 - April 17, 2024

Loan Rates - April 17, 2024

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
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
5 Year Loan
6.50% $1,956.61
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 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90146
Date Established 1867
Assets $ 623.95 million
Loans $ 400.73 million
Deposits $ 500.89 million
Capital $ 61.21 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 20.46 million
Interest-bearing balances $ 15.80 million
Total securities $ 172.72 million
Federal funds sold and reverse repurchase $ 0.12 million
Net loans and leases $ 400.73 million
Loan loss allowance $ 5.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.02 million
All other assets $ 19.04 million
     Total Assets $ 562.74 million

LIABILITIES
Total deposits $ 500.89 million
      Interest-bearing deposits $ 418.38 million
      Deposits held in domestic offices $ 500.89 million
      % insured (estimated) 85.24%
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 $ 562.74 million
      Shareholders’ Equity $ 61.21 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 21.32 million
Total Interest Expense $ 7.08 million
Net interest income $ 14.24 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 4.45 million
Total non interest expense $ 15.53 million
Pre-tax Net Operating Income $ 1.92 million

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