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Mountainone Bank
North Adams, MA · FDIC Certificate #90253 · Chartered 01/0
Total assets
$1.08B
Total deposits
$774.31M
Total equity
$170.88M
Net loans
$828.16M
Branches (offices)
6
Net income (YTD)
$6.49M
Rank: #969 of 4,213 U.S. banks by assets · #45 of 89 in Massachusetts. Assets changed 5.5% and deposits -0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 7.73% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 15.79% |
| Tier 1 leverage ratio | 14.75% |
| Uninsured deposits (share of deposits) | 33.6% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 107.0% |
| Real estate loans (share of loans) | 91.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $754.54M | 91.1% | |
| Commercial & industrial | $73.41M | 8.9% | |
| Consumer / individual | $8.81M | 1.1% | |
| Construction & development | $176.79M | 21.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $900.70M | $751.76M | $5.62M | $127.16M |
| Jun 2023 | $969.91M | $719.46M | $6.13M | $136.92M |
| Jun 2024 | $982.49M | $761.60M | $4.45M | $145.19M |
| Jun 2025 | $1.03B | $776.62M | $5.45M | $158.61M |
| Jun 2026 | $1.08B | $774.31M | $6.49M | $170.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $774.31M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $774.31M.
Similar-sized banks
First Resource Bank ($1.08B) · First Command Bank ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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