North Adams, MA · Cert 90253 · Mountainone Financial MHC
SI · FDIC · 1 affiliate bank · 6 branches (16 in holding)
Q2 2026
Market Position · Pittsfield, MA · 2026 SOD (annual) · 12.0% share · #5 of 9 inst. · $0.5B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.75% | 0.97% | 1.21% | 1.24% | 1.24% | 1.08% | 1.35% | +14 bps | |
| Return on Equity | 7.21% | 4.88% | 6.27% | 7.82% | 7.96% | 7.91% | 6.86% | 8.60% | +79 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.15% | 3.32% | 3.44% | 3.52% | 3.47% | 3.43% | +10 bps | |
| Efficiency Ratio | 73.69% | 76.75% | 72.20% | 68.38% | 69.00% | 65.41% | 68.30% | 65.75% | -263 bps | |
| Non-Interest Burden | 1.74% | 1.99% | 1.62% | 1.54% | 1.73% | 1.71% | 1.75% | 1.52% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -1.18% | -1.63% | 4.47% | 6.03% | 6.81% | 7.08% | 5.45% | +98 bps | |
| Loan Growth (YoY) | -2.95% | -2.18% | -1.59% | 3.89% | 10.64% | 7.36% | 8.16% | 7.87% | +399 bps | |
| Deposit Growth (YoY) | -0.06% | 4.98% | -1.41% | 1.97% | 4.03% | 2.73% | 4.74% | -0.30% | -227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.24% | 0.30% | 0.31% | 0.28% | 0.28% | 0.32% | 1.06% | +74 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.28% | 0.42% | 0.03% | -0.07% | 0.04% | 0.18% | 0.13% | +9 bps | |
| Allowance / Loans | 1.10% | 1.04% | 1.01% | 1.05% | 1.03% | 1.04% | 1.05% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | 3.5x | 4.4x | 3.3x | 3.4x | 3.7x | 3.7x | 3.3x | 1.0x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.82% | 14.33% | 14.45% | 14.48% | 14.54% | 14.63% | 14.67% | 14.75% | +26 bps | |
| Total Risk-Based Capital | 19.21% | 17.76% | 17.90% | 17.85% | 17.66% | 17.68% | 17.57% | 17.80% | -5 bps | |
| Equity / Assets | 15.32% | 15.32% | 15.51% | 15.45% | 15.61% | 15.72% | 15.67% | 15.79% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.04% | 97.42% | 99.70% | 99.88% | 100.01% | 101.82% | 102.95% | 108.07% | +819 bps | |
| Liquid Assets / Assets | 3.62% | 0.33% | 0.80% | 1.16% | 1.11% | 1.29% | 1.07% | 1.11% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 319% | 324% | 331% | n/a | n/a | |