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Mutualone Bank
Framingham, MA · FDIC Certificate #26395 · Chartered 01/0
Total assets
$1.22B
Total deposits
$924.50M
Total equity
$257.20M
Net loans
$863.43M
Branches (offices)
3
Net income (YTD)
$5.49M
Rank: #881 of 4,213 U.S. banks by assets · #41 of 89 in Massachusetts. Assets changed 0.0% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 4.32% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 21.12% |
| Tier 1 leverage ratio | 21.08% |
| Uninsured deposits (share of deposits) | 34.8% |
| Noncurrent loans (share of loans) | 5.92% |
| Net charge-offs (share of loans) | 2.40% |
| Loans to deposits | 93.4% |
| Real estate loans (share of loans) | 71.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $617.50M | 71.5% | |
| Commercial & industrial | $113.39M | 13.1% | |
| Consumer / individual | $14.35M | 1.7% | |
| Construction & development | $107.64M | 12.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.06B | $803.57M | $8.70M | $205.25M |
| Jun 2023 | $1.28B | $919.15M | $10.96M | $224.35M |
| Jun 2024 | $1.26B | $892.28M | $12.12M | $247.91M |
| Jun 2025 | $1.22B | $853.76M | -$10.78M | $244.13M |
| Jun 2026 | $1.22B | $924.50M | $5.49M | $257.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $924.50M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $924.50M.
Similar-sized banks
Citizens State Bank ($1.22B) · Texas National Bank ($1.22B)
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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