MOUNTAINONE BANK

NORTH ADAMS, MA | Large | Est. Jan. 1, 1848, midnight | FDIC #90253 | RSSD #97804 | FDIC
Latest Report: 2025-12-31

MOUNTAINONE BANK is aln large FDIC-insured commercial bank headquartered in NORTH ADAMS, MA, established in Jan. 1, 1848, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $781M. Profitability stands at 1.24% ROA and 7.91% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 16.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.22%. FDIC Certificate #90253.

Assets

$1.1B

Deposits

$781M

Loans

$795M

Equity

$165M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 7.91%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.65%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.22%
NPA Ratio 0.20%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 16.63%
Tier 1 Capital 16.63%
Total Capital Ratio 17.68%
Leverage Ratio 14.63%
Loan-to-Deposit 101.82%

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