Mutualone Bank
Framingham, MA · Cert 26395 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27)
SI · FDIC · 3 branches
Q2 2026
$1.2BAssets
$889.8MLoans
$924.5MDeposits
$257.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 27).
- Widest gap: net charge-offs / loans trails 96% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.90%
Rank 11 of 27
Net Interest Margin
3.17%
Rank 9 of 27
Efficiency Ratio
71.49%
Rank 16 of 27
Equity / Assets
21.12%
Rank 1 of 27
Non-interest income vs. expense
Unfavorable gap of $27.9M · efficiency ratio beats 44% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.48% | 0.78% | 0.99% | Beats 59% | 11 / 27 | |
| Return on Equity | 4.27% | 5.50% | 7.06% | 8.20% | Beats 11% | 24 / 27 | |
| Net Interest Margin | 3.17% | 2.49% | 2.70% | 3.34% | Beats 67% | 9 / 27 | |
| Efficiency Ratio | 71.49% | 59.27% | 68.19% | 75.85% | Beats 44% | 16 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.92% | 0.20% | 0.58% | 1.15% | Beats 4% | 27 / 27 | |
| Net Charge-Offs / Loans | 1.31% | 0.00% | 0.01% | 0.05% | Beats 4% | 27 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 21.09% | 13.21% | 14.69% | 16.81% | Beats 89% | 3 / 27 | |
| Total Risk-Based Capital Ratio | 21.09% | 13.71% | 15.43% | 18.07% | Beats 89% | 3 / 27 | |
| Equity / Assets | 21.12% | 9.62% | 11.14% | 13.14% | Beats 96% | 1 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 96.25% | 91.42% | 101.19% | 107.11% | 37th pctl | 17 / 27 | |
| Loans / Assets | 73.07% | 75.31% | 80.56% | 83.39% | 15th pctl | 23 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |