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 (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 | 0.95% | 0.90% | 0.97% | 1.09% | 1.14% | 1.17% | 1.08% | 1.22% | +13 bps | |
| Return on Equity | 6.50% | 6.10% | 6.27% | 7.05% | 7.36% | 7.51% | 6.86% | 7.73% | +68 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.15% | 3.20% | 3.24% | 3.30% | 3.47% | 3.42% | +21 bps | |
| Efficiency Ratio | 73.49% | 74.29% | 72.20% | 70.25% | 69.83% | 68.76% | 68.30% | 66.99% | -326 bps | |
| Non-Interest Burden | 1.76% | 1.82% | 1.62% | 1.56% | 1.60% | 1.62% | 1.75% | 1.62% | +6 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 | 0.24% | 0.24% | 0.42% | 0.22% | 0.12% | 0.10% | 0.18% | 0.15% | -7 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 | |