Taunton, MA · Cert 26634 · Mountainone Financial MHC
SI · FDIC · 1 affiliate bank · 10 branches (16 in holding)
Q2 2026
Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 1.0% share · #17 of 22 inst. · $0.6B of $61.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.89% | 1.19% | 1.28% | 1.30% | 1.25% | 1.13% | 1.24% | -4 bps | |
| Return on Equity | 7.40% | 7.43% | 10.08% | 10.70% | 10.78% | 10.33% | 8.84% | 9.57% | -114 bps | |
| Net Interest Margin | 3.36% | 3.31% | 3.74% | 3.78% | 3.85% | 3.84% | 4.09% | 4.10% | +32 bps | |
| Efficiency Ratio | 65.40% | 64.92% | 59.47% | 57.89% | 56.97% | 57.17% | 58.17% | 56.07% | -182 bps | |
| Non-Interest Burden | 2.11% | 2.06% | 2.11% | 2.06% | 2.07% | 2.07% | 2.48% | 2.36% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.36% | 15.80% | 11.21% | 7.35% | 5.76% | 2.95% | 6.10% | 8.21% | +86 bps | |
| Loan Growth (YoY) | 19.16% | 18.89% | 13.34% | 7.75% | 6.10% | 2.72% | 3.99% | 6.99% | -76 bps | |
| Deposit Growth (YoY) | 14.57% | 19.50% | 14.55% | 9.85% | 5.64% | 7.43% | 2.11% | 3.40% | -644 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.03% | 0.03% | 0.00% | 0.04% | 0.04% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.79% | 0.81% | 0.81% | 0.81% | 0.86% | 0.86% | 0.86% | +5 bps | |
| Allowance Coverage of NPLs | 12.8x | 23.3x | 26.4x | 26.9x | 1932.3x | 22.5x | 24.5x | 25.4x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.51% | 12.25% | 12.38% | 12.78% | 12.89% | 12.99% | 12.06% | 12.38% | -40 bps | |
| Total Risk-Based Capital | 17.70% | 17.46% | 17.96% | 18.52% | 18.10% | 16.32% | 15.29% | 15.37% | -315 bps | |
| Equity / Assets | 11.83% | 11.54% | 12.00% | 12.32% | 12.35% | 12.50% | 13.16% | 13.19% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.02% | 108.78% | 105.05% | 106.07% | 108.50% | 104.02% | 106.98% | 109.75% | +368 bps | |
| Liquid Assets / Assets | 0.42% | 0.40% | 0.38% | 1.13% | 0.85% | 0.64% | 0.59% | 1.06% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 379% | 378% | 408% | n/a | n/a | |