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 - November 21, 2024

Loan Rates - November 21, 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

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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 2024

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 90146
Date Established	1867
Assets	$ 628.14 million
Loans	$ 407.55 million
Deposits	$ 511.14 million
Capital	$ 62.11 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 19.34 million
Interest-bearing balances	$ 13.77 million
Total securities	$ 171.36 million
Federal funds sold and reverse repurchase	$ 0.11 million
Net loans and leases	$ 407.55 million
Loan loss allowance	$ 4.78 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	$ 566.02 million

LIABILITIES
Total deposits	$ 511.14 million
Interest-bearing deposits	$ 437.80 million
Deposits held in domestic offices	$ 511.14 million
% insured (estimated)	85.95%
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	$ 566.02 million
Shareholders’ Equity	$ 62.11 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 12.22 million
Total Interest Expense	$ 5.59 million
Net interest income	$ 6.63 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 2.15 million
Total non interest expense	$ 7.90 million
Pre-tax Net Operating Income	$ 1.92 million

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Branches

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