Athol Savings Bank
Athol, MA
IDRSSD: 408307
Total Assets
$681.20M
Latest filing
Total Deposits
$554.10M
Latest filing
Net Interest Margin
2.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Athol Savings Bank
388 Main St
Athol, MA 01331
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/12/1867FDIC Certificate 17741
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Athol Savings Bank (Main) | 388 Main St | Athol, MA |
| WINCHENDON BRANCH | 112 Central St | Winchendon, MA |
| ASHBURNHAM BRANCH | 52 Main St | Ashburnham, MA |
| GARDNER BRANCH | 196 Timpany Blvd | Gardner, MA |
| BARRE BRANCH | 560 Summer St | Barre, MA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 02/12/1867 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01331 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 77 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 09/10/1985 |
| Primary Insurance Agency | DIF |
| Website | www.ibankasb.com |
| Data Updated | 11/14/2025 |
| CERT | 90146 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $681.20M |
| Total Deposits | $554.10M |
| Total Liabilities | $607.96M |
| Total Equity Capital | $73.25M |
| Net Income | $2.03M |
| Net Loans and Leases | $431.88M |
| Assets Per Employee ($Millions) | $8.73M |
| Bank Premises and Fixed Assets | $8.28M |
| Cash and Balances due from Depository Institutions | $41.71M |
| Deposits Held in Domestic Offices | $554.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 11.42% |
| Net Interest Margin | 2.63% |
| Efficiency Ratio | 80.94% |
| Tier 1 Risk-Based Capital Ratio | 16.392% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.753% |
| Earning Assets to total Assets | 95.35% |
Income and Expense
| Total Interest Income | $7.14M |
| Total Noninterest Income | $1.02M |
| Total Interest Expense | $2.88M |
| Total Noninterest Expense | $4.28M |
| Net Interest Income | $4.26M |
| Pre-tax Net Operating Income | $977.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $52.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $84.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.86M |
| Total Liabilities and Capital | $681.20M |
Securities
| Securities | $180.41M |
| Available-for-sale debt securities | $142.25M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Athol Savings Bank?
$681.20M as of the latest filing.
How much are Athol Savings Bank's total deposits?
$554.10M in total deposits.
Where is Athol Savings Bank located?
Athol, MA.
What is the Net Interest Margin?
2.63%.
How many domestic offices does it operate?
5.
When was it established?
02/12/1867.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$431.88M (latest filing).
What is the total interest income (latest filing)?
$7.14M.