# ATHOL-CLINTON COOP BANK
ATHOL, MA · FDIC certificate 27293 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $81.1M | |
| Deposits | $66.4M | |
| Loans and leases | $72.1M | |
| Total equity | $7.7M | |
| Loans / deposits | 106.20% (p98 of band) | 70.88% |
| Liquid assets / assets | 5.03% (p1 of band) | |
| Uninsured deposits / deposits | 4.94% (p31 of band) | 7.86% |
| Brokered deposits | 11.25% | |
| Wholesale funding | 19.57% (p94 of band) | |
| FHLB advances / assets | 8.32% | |
| Tier 1 leverage | 8.49% (p25 of band) | 9.71% |
| Unrealized securities loss / equity | 0.40% (p43 of band) | 0.79% |
| AOCI / equity | 0.03% (p50 of band) | |
| ROA (annualized) | -2.46% (p3 of band) | 0.66% |
| Net interest margin | 3.78% (p49 of band) | 3.79% |
| Efficiency ratio | 177.11% (p99 of band) | |
| Noncurrent loans | 10.52% (p96 of band) | 1.53% |
| Net charge-offs (annualized) | 2.23% (p97 of band) | |
| Reserve coverage of noncurrent | 20.11% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 13.25% (p41 of band) | |
| Auto loans | $130,000 (0.18% of loans; DQ 96.15%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 18 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27293 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "27293", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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