MUTUALONE BANK

FRAMINGHAM, MA | Large | Est. Jan. 1, 1889, midnight | FDIC #26395 | RSSD #154770 | FDIC
Latest Report: 2025-12-31

MUTUALONE BANK is aln large FDIC-insured commercial bank headquartered in FRAMINGHAM, MA, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $936M. Profitability stands at 1.16% ROA and 5.70% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 20.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 8.35% and a Texas Ratio of 28.38%. FDIC Certificate #26395.

Assets

$1.3B

Deposits

$936M

Loans

$978M

Equity

$252M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 5.70%
Net Interest Margin (NIM) 3.51%
Yield on Assets 6.09%
Cost of Funds 3.48%

Asset Quality

NPL Ratio 8.35%
Net Charge-Off Ratio 1.08%
Texas Ratio 28.38%
NPA Ratio 6.51%
ACL / Loans 3.64%

Capital & Liquidity

CET1 Ratio 20.11%
Tier 1 Capital 20.11%
Total Capital Ratio 21.12%
Leverage Ratio 20.80%
Loan-to-Deposit 104.44%

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