This institution is no longer active

Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.

ATHOL SAVINGS BANK

ATHOL, MA · Supervised by FDIC

Est. 1867FDIC #90,146RSSD: FDIC-90146

Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.29%

Is this bank safe?

ATHOL SAVINGS BANK holds a Satisfactory CRA rating (2023), shows financial metrics that merit closer review (ROA -0.29%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

388 Main St, ATHOL, MA

County

Worcester County

Established

February 12, 1867

Total Assets

$678M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$678M

Total Deposits

$556M

Net Loans

$428M

Net Income

$-1,921K

ROA

-0.29%

Below avg for Small banks. Peer avg: 0.44%

ROE

-2.81%

Risk-Based Capital

20.45%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.29%Peer avg: 0.44%▼ Below avg

Risk-Based Capital20.45%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate22.81%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$558M

1-Year Change

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	114	59.65%	22.81%
2023	182	62.64%	14.84%
2022	224	69.64%	16.07%
2021	353	68.84%	13.88%
2020	323	63.16%	17.96%
2019	265	72.08%	15.85%
2018	289	60.21%	18.69%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2023	Satisfactory	Intermediate Small Bank
Jul 2020	Satisfactory	Intermediate Small Bank
Dec 2017	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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