First Financial Trust NA vs Athol Savings Bank
Side-by-side bank health comparison using FDIC financial data
First Financial Trust NA (A) and Athol Savings Bank (A) are close on the BankHealth rubric. Asset bases: $16M versus $628M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First Financial Trust NA has a stronger Bank Health Score of 100/100 (A) compared to Athol Savings Bank at 96/100 (A), a difference of 4 points. First Financial Trust NA holds a Tier 1 capital ratio of 88.4% and an NPL ratio of 0.00%.
| Metric | First Financial Trust NA | Athol Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 88.4%* | 16.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 72.3%* | 30.4% |
| Return on Assets Profitability metric (above 1% is strong) | 10.6%* | 1.1% |
| Total Assets | $16M | $628M |
| Total Deposits | $0 | $511M |
| Location | Wakefield, Massachusetts | Athol, Massachusetts |
First Financial Trust NA has a stronger Bank Health Score of 100/100 (A) compared to Athol Savings Bank at 96/100 (A), a difference of 4 points. First Financial Trust NA holds a Tier 1 capital ratio of 88.4% and an NPL ratio of 0.00%.