Athol-Clinton Co-operative Bank

90 Exchange Street
Athol, MA 01331


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27293
Date Established 1889
Assets $0.08 billion
Loans $0.07 billion
Deposits $0.07 billion
Capital $0.01 billion

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.

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 - July 15, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Athol-clinton Co-operative Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - July 15, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.777% 3.750% 0.38 $832 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Athol-Clinton Co-operative Bank
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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% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, 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% 9.47%

Athol-Clinton Co-operative Bank has a Return on Equity of -25.88% versus the BestCashCow average of 9.47%. 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% 12.49%

Athol-Clinton Co-operative Bank has a Capitalization of 9.46% versus the BestCashCow average of 12.49. 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, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.07 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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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