Mechanics Cooperative Bank

Taunton, MA · Cert 26634 · Peer group: banks under $1B in assets (n=581-629) · Mountainone Financial MHC

SI · FDIC · 1 affiliate bank · 10 branches (16 in holding)

Q2 2026

$898.8MAssets

$745.9MLoans

$679.6MDeposits

$118.6MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets (rank 101 of 581).
Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets (rank 441 of 581).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.21%

Rank 230 of 629

Net Interest Margin

4.10%

Rank 144 of 629

Efficiency Ratio

61.54%

Rank 201 of 629

Equity / Assets

13.19%

Rank 182 of 629

Unfavorable gap of $20.7M · efficiency ratio beats 68% of banks under $1B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.21%	0.60%	1.01%	1.45%	Beats 63%	230 / 629	n/a
Return on Equity	9.20%	5.38%	9.30%	13.28%	Beats 48%	325 / 629	n/a
Net Interest Margin	4.10%	3.03%	3.54%	4.05%	Beats 77%	144 / 629	n/a
Efficiency Ratio	61.54%	58.35%	67.79%	79.08%	Beats 68%	201 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.03%	0.09%	0.46%	1.20%	Beats 83%	101 / 581	n/a
Net Charge-Offs / Loans	0.07%	n/a	0.01%	0.06%	Beats 24%	441 / 581	n/a
Capital
Tier 1 Capital Ratio	14.38%	11.24%	13.84%	18.77%	Beats 54%	287 / 629	n/a
Total Risk-Based Capital Ratio	15.37%	11.58%	14.43%	19.66%	Beats 56%	276 / 629	n/a
Equity / Assets	13.19%	9.09%	10.65%	13.80%	Beats 71%	182 / 629	n/a
Liquidity & Funding
Loans / Deposits	109.75%	67.24%	80.90%	93.48%	95th pctl	29 / 594	n/a
Loans / Assets	82.99%	53.31%	67.71%	78.15%	88th pctl	77 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution