Athol-Clinton Co-operative Bank


90 Exchange Street
Athol, MA 01331
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Athol-Clinton Co-operative Bank is an FDIC insured institution located in Athol, MA. It was founded in 1889 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27293
Date Established 1889
Assets $ 81.13 million
Loans $ 70.56 million
Deposits $ 66.44 million
Capital $ 7.68 million

For a more detailed analysis of Athol-Clinton Co-operative Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2021

Your Current Location: California, CA 92111


Loan Rates - September 21, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Athol-Clinton Co-operative Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375%
0.63 points
$2,812 fees
$1,106 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Athol-Clinton Co-operative Bank
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Athol-Clinton Co-operative Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Athol-Clinton Co-operative Bank Locations

Financial Details

Athol-Clinton Co-operative Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Athol-Clinton Co-operative Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Athol-Clinton Co-operative Bank U.S. Bank Average
100.05% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Athol-Clinton Co-operative Bank had $7,584,000 in non-current loans and $1,621,000 in owned real estate. To cover these potential losses it had $7,675,000 in equity and $1,525,000 in loans loss reserves. That gives it a Texas Ratio of 100.05%.

Return on Equity
Athol-Clinton Co-operative Bank U.S. Bank Average
-25.88% 11.43%

Athol-Clinton Co-operative Bank has a Return on Equity of -25.88% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Athol-Clinton Co-operative Bank U.S. Bank Average
9.46% 11.51%

Athol-Clinton Co-operative Bank has a Capitalization of 9.46% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Athol-Clinton Co-operative Bank Balance Sheet Analysis

As of March 31, 2011, Athol-Clinton Co-operative Bank had assets of $81,129,000, loans of $70,560,000, and deposits of $66,442,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 70.56 million
Loan loss allowance $ 1.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.62 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 66.44 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 81.13 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Athol-Clinton Co-operative Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Athol-Clinton Co-operative Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Athol-clinton Co-operative Bank

Branches and Savings

Is Athol-clinton Co-operative Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27293.

Why does Athol-clinton Co-operative Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Athol-clinton Co-operative Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Athol-clinton Co-operative Bank a commercial bank?


Where are Athol-clinton Co-operative Bank locations?

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Is Athol-clinton Co-operative Bank open on Saturdays?

Is Athol-clinton Co-operative Bank open on Sundays?

What time does Athol-clinton Co-operative Bank open?

What time does Athol-clinton Co-operative Bank close?

Are Athol-clinton Co-operative Bank ATMs Open 24/7?

Do Athol-clinton Co-operative Bank ATMs accept cash deposits?

Can Athol-clinton Co-operative Bank customers use other ATMs?

Do Athol-clinton Co-operative Bank branches have notaries?

Will Athol-clinton Co-operative Bank notarize my document?

What address for Athol-clinton Co-operative Bank should I put for incoming ACH transfers?

Will the Athol-clinton Co-operative Bank branch print checks?

Do Athol-clinton Co-operative Bank checks expire?

Does Athol-clinton Co-operative Bank require US citizenship to open account?

Can Athol-clinton Co-operative Bank close my account?

Does Athol-clinton Co-operative Bank Report to credit bureaus?

Does Athol-clinton Co-operative Bank Use Equifax?

What is Athol-clinton Co-operative Bank's ACH Routing Number?

What is Athol-clinton Co-operative Bank's SWIFT code?


Does Athol-clinton Co-operative Bank offer mortgages?

Compare mortgage rates here.

Does Athol-clinton Co-operative Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Athol-clinton Co-operative Bank offer personal loans?

Compare personal loan rates here.

Does Athol-clinton Co-operative Bank offer student loans?

Will Athol-clinton Co-operative Bank cash a check?

Will Athol-clinton Co-operative Bank redeem a savings bond?

Does Athol-clinton Co-operative Bank cash savings bonds?

Will Athol-clinton Co-operative Bank cash money orders?

Can Athol-clinton Co-operative Bank issue a money order?

Does Athol-clinton Co-operative Bank do currency exchange?

Background on The Bank

Who owns Athol-clinton Co-operative Bank?

How long has Athol-clinton Co-operative Bank been around?

Can Athol-clinton Co-operative Bank transfer to other banks?

Does Athol-clinton Co-operative Bank have quick pay?

Does Athol-clinton Co-operative Bank accept rolled coins?

Will Athol-clinton Co-operative Bank accept loose change?

Where is Athol-clinton Co-operative Bank headquarters?

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