🏦Bank Scorer

This institution is no longer active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%

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%

ROE

-2.81%

Risk-Based Capital

20.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate22.81%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$558M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411459.65%22.81%
202318262.64%14.84%
202222469.64%16.07%
202135368.84%13.88%
202032363.16%17.96%
201926572.08%15.85%
201828960.21%18.69%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating 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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