Mountainone Bank
North Adams, MA · Cert 90253 · Peer group: banks $1B-$10B in assets (n=322-328) · Mountainone Financial MHC
SI · FDIC · 1 affiliate bank · 6 branches (16 in holding)
Q2 2026
$1.1BAssets
$836.8MLoans
$774.3MDeposits
$170.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 95% of banks $1B-$10B in assets (rank 16 of 328).
- Widest gap: return on equity trails 82% of banks $1B-$10B in assets (rank 269 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.20%
Rank 172 of 328
Net Interest Margin
3.42%
Rank 172 of 328
Efficiency Ratio
68.35%
Rank 259 of 328
Equity / Assets
15.79%
Rank 16 of 328
Non-interest income vs. expense
Unfavorable gap of $17.6M · efficiency ratio beats 21% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.91% | 1.22% | 1.52% | Beats 48% | 172 / 328 | | |
| Return on Equity | 7.59% | 8.43% | 11.45% | 14.43% | Beats 18% | 269 / 328 | | |
| Net Interest Margin | 3.42% | 3.03% | 3.45% | 3.83% | Beats 48% | 172 / 328 | | |
| Efficiency Ratio | 68.35% | 51.61% | 59.56% | 67.53% | Beats 21% | 259 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.24% | 0.51% | 1.03% | Beats 25% | 244 / 322 | | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 24% | 246 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 16.76% | 11.75% | 13.15% | 15.47% | Beats 83% | 55 / 328 | | |
| Total Risk-Based Capital Ratio | 17.80% | 12.63% | 14.15% | 16.46% | Beats 83% | 55 / 328 | | |
| Equity / Assets | 15.79% | 9.15% | 10.33% | 12.01% | Beats 95% | 16 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.07% | 76.63% | 87.92% | 95.36% | 95th pctl | 17 / 323 | | |
| Loans / Assets | 77.31% | 65.18% | 74.15% | 79.98% | 65th pctl | 114 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |