Mountainone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mountainone Bank of North Adams, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.34% | 1.34% | +0.00% | 53rd above |
| ROAE | 8.60% | 12.34% | -3.74% | 22nd bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.83% | -0.12% | 50th above |
| Efficiency Ratio | 65.69% | 58.97% | +6.72% | 28th below |
| PPNR / Avg Assets | 1.85% | — | — | 58th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.71% | -0.09% | 55th above |
| Cost of Funds | 2.18% | 2.02% | +0.16% | 38th below |
| Net Interest Spread | 3.03% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.87% | +0.19% | 26th below |
| NPA / Total Assets | 0.92% | — | — | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.43% | -0.30% | 24th bottom |
| ACL / Total Loans | 1.03% | — | — | 34th below |
| ACL / NPLs (Coverage) | 97.29% | — | — | 22nd bottom |
| Texas Ratio | 6.26% | 5.48% | +0.78% | 30th below |
| Provision / NCO | 71.05% | — | — | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.76% | 14.99% | +1.77% | 82nd top |
| Tier 1 Ratio | 16.76% | 15.02% | +1.74% | 81st top |
| Total Capital Ratio | 17.80% | — | — | 81st top |
| Leverage Ratio | 14.75% | 11.11% | +3.64% | 92nd top |
| Equity / Assets | 15.79% | 11.02% | +4.77% | 95th top |
| TCE / Tangible Assets | 14.20% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.07% | 86.99% | +21.08% | 6th bottom |
| Core Deposit Ratio | 69.47% | 85.57% | -16.10% | 8th bottom |
| Uninsured Deposit Ratio | 33.56% | 33.19% | +0.37% | 43rd below |
| Wholesale Funding Ratio | 9.90% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.45% | — | — | 50th above |
| Loan Growth (Y/Y) | 7.87% | — | — | 62nd above |
| Deposit Growth (Y/Y) | -0.30% | — | — | 16th bottom |
See Mountainone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mountainone Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mountainone Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Mountainone Bank peer analysis.