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
Unfavorable gap of $25.9M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.36% | 2.87% | 3.39% | 3.85% | Beats 8% | 496 / 541 | | |
| Efficiency Ratio | 146.65% | 58.91% | 68.65% | 80.35% | Beats 3% | 523 / 540 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.07% | 0.34% | 1.07% | Beats 34% | 327 / 495 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.26% | 10.99% | 13.81% | 17.99% | Beats 78% | 117 / 541 | | |
| Total Risk-Based Capital Ratio | 20.45% | 11.43% | 14.30% | 18.80% | Beats 79% | 112 / 541 | | |
| Equity / Assets | 9.96% | 8.87% | 10.43% | 13.26% | Beats 44% | 303 / 541 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.88% | 65.07% | 79.29% | 92.66% | 47th pctl | 260 / 495 | | |
| Loans / Assets | 63.84% | 55.91% | 67.98% | 77.76% | 39th pctl | 301 / 495 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | | |