Banks | Athol Savings Bank

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 - June 30, 2025

SAVINGS RATES	APY	MIN
SAV	0.01%	$10	Compare

CD RATES	APY	MIN
3 Mo CD	0.15%	$500	Compare
6 Mo CD	0.25%	$500	Compare
9 Mo CD	1.00%	$501	Compare
12 Mo CD	0.40%	$500	Compare
13 Mo CD	1.00%	$501	Compare
15 Mo CD	1.00%	$500	Compare
18 Mo CD	0.50%	$500	Compare
21 Mo CD	1.50%	$500	Compare
23 Mo CD	3.30%	$500	Compare
24 Mo CD	0.50%	$500	Compare
36 Mo CD	0.50%	$500	Compare
60 Mo CD	0.50%	$500	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 30, 2025

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

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

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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 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 90146
Date Established	1867
Assets	$ 640.76 million
Loans	$ 423.80 million
Deposits	$ 521.97 million
Capital	$ 64.50 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 16.19 million
Interest-bearing balances	$ 11.67 million
Total securities	$ 171.93 million
Federal funds sold and reverse repurchase	$ 0.10 million
Net loans and leases	$ 423.80 million
Loan loss allowance	$ 4.65 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	$ 576.26 million

LIABILITIES
Total deposits	$ 521.97 million
Interest-bearing deposits	$ 448.96 million
Deposits held in domestic offices	$ 521.97 million
% insured (estimated)"	85.00%
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	$ 576.26 million
Shareholders’ Equity	$ 64.50 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 25.37 million
Total Interest Expense	$ 11.85 million
Net interest income	$ 13.52 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 4.36 million
Total non interest expense	$ 15.98 million
Pre-tax Net Operating Income	$ 1.92 million

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