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Athol Savings Bank

Athol, MA · Cert 90146

FDIC · 5 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=495 to 541). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q4 2025peer median (50)

Asset Quality

34

Q2 2024Q4 2025peer median (50)

Profitability

7

Q2 2024Q4 2025peer median (50)

Liquidity

95

Q2 2024Q4 2025peer median

Efficiency

3

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Athol Savings Bank

Athol, MA · Cert 90146

FDIC · 5 branches

Q4 2025

$677.8MAssets
$432.7MLoans
$555.6MDeposits
$67.5MEquity
Loan mix
81%RE $349.4M6%C&I $25.2M13%Consumer $58.1MQ1 2024Q4 2025
Deposit mix
86%Interest-bearing $477.1M14%Noninterest $78.5MQ1 2024Q4 2025

Market Position · Worcester, MA · 2025 SOD (annual) · 2.4% share · #14 of 28 inst. · $0.6B of $23.7B

Executive Summary

  • Earnings: ROA of -0.29%, down 100 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.72% of loans (+63 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.27%, down 83 bps from a year ago.
  • Funding: loans stand at 77.88% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

-0.29%-100 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+31 bps YoY

Efficiency Ratio (YTD, annualized)

146.65%+5,722 bps YoY

Tier 1 Leverage Ratio

11.27%-83 bps YoY

NIM

3.40%Q4 ’233.84%Q4 ’244.03%Q4 ’25-10%+15%

Non-interest income vs. expense

2.48%Q4 ’232.42%Q4 ’244.33%Q4 ’250%+112%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.35%10.82%10.98%10.72%10.22%0.70%10.87%1-0.29%-100 bps
Return on Equity13.77%8.37%9.79%7.14%2.25%7.01%8.53%-2.81%-995 bps
Net Interest Margin1.98%2.07%2.02%2.04%2.23%2.26%2.31%2.36%+31 bps
Efficiency Ratio90.96%90.04%89.81%89.43%90.51%86.35%84.46%146.65%+5,722 bps
Non-Interest Burden1.74%1.80%1.74%1.76%1.96%1.87%1.86%3.73%+197 bps
Growth
Asset Growth (YoY)6.45%5.36%8.53%2.69%6.80%8.61%5.09%5.79%+309 bps
Loan Growth (YoY)8.64%5.33%2.35%5.57%4.95%5.09%6.69%1.00%-457 bps
Deposit Growth (YoY)1.66%-0.88%3.61%4.21%7.54%9.25%5.52%6.44%+224 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.10%0.10%0.09%0.13%0.89%0.88%0.72%+63 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.03%0.03%0.03%0.03%0.04%+1 bps
Allowance / Loans1.23%1.16%1.14%1.09%1.07%1.05%1.04%1.04%-4 bps
Allowance Coverage of NPLs6.8x11.9x11.0x11.7x8.2x1.2x1.2x1.4x-10.2x
Capital
Tier 1 Leverage Ratio12.18%12.19%12.19%12.10%12.01%12.03%12.19%11.27%-83 bps
Total Risk-Based Capital17.81%17.61%17.93%17.18%17.21%17.22%17.34%20.45%+328 bps
Equity / Assets9.75%9.89%10.61%10.07%9.89%10.14%10.75%9.96%-10 bps
Liquidity & Funding
Loans / Deposits81.00%80.67%77.89%82.08%79.05%77.60%78.76%77.88%-420 bps
Liquid Assets / Assets2.88%2.19%5.19%1.82%5.91%5.78%5.45%10.27%+845 bps
CRE / Total Capitaln/an/an/an/an/an/a120.95%132.17%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Athol Savings Bank

Athol, MA · Cert 90146 · Peer group: banks under $1B in assets (n=495-541)

FDIC · 5 branches

Q4 2025

$677.8MAssets
$432.7MLoans
$555.6MDeposits
$67.5MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 523 of 540).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.28%

Rank 504 of 541

Net Interest Margin

2.36%

Rank 496 of 541

Efficiency Ratio

146.65%

Rank 523 of 540

Equity / Assets

9.96%

Rank 303 of 541

Non-interest income vs. expense

$4.1M$30.0MINCOMEEXPENSE
Unfavorable gap of $25.9M · efficiency ratio beats 3% of banks under $1B in assets
Bank 146.65%Peer median 68.7%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.28%0.56%0.97%1.38%Beats 7%504 / 541
Return on Equity-2.84%5.68%9.28%12.43%Beats 7%505 / 541
Net Interest Margin2.36%2.87%3.39%3.85%Beats 8%496 / 541
Efficiency Ratio146.65%58.91%68.65%80.35%Beats 3%523 / 540
Asset Quality
Nonperforming Loans / Loans0.72%0.07%0.34%1.07%Beats 34%327 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.26%10.99%13.81%17.99%Beats 78%117 / 541
Total Risk-Based Capital Ratio20.45%11.43%14.30%18.80%Beats 79%112 / 541
Equity / Assets9.96%8.87%10.43%13.26%Beats 44%303 / 541
Liquidity & Funding
Loans / Deposits77.88%65.07%79.29%92.66%47th pctl260 / 495
Loans / Assets63.84%55.91%67.98%77.76%39th pctl301 / 495
Brokered Deposits / Deposits0.00%n/an/a3.32%Beats 100%289 / 506