Mountainone Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 232.21 percentage points in Q2 2026, from 329.50% to 97.29%. It was the largest change from Q1 2026 among the key lines here. Mountainone Bank ranks 12th of 89 Massachusetts banks on return on assets, in the upper half at 1.34% (Q2 2026). Mountainone Bank reported 1.34% on return on assets for Q2 2026, 0.07 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.76% |
| Tier 1 risk-based capital ratio | 16.76% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 14.75% |
| Equity capital to assets | 15.79% |
| Tangible equity to tangible assets | 14.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 6.26% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 97.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 8.60% |
| Net interest margin | 3.71% |
| Efficiency ratio | 65.69% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.07% |
| Core deposits to total deposits | 69.47% |
| Brokered deposits to total deposits | 19.50% |
| Deposits to assets | 71.54% |
| Securities to assets | 11.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.96% | 16.96% | 18.19% | 14.40% | 0.97% |
| Q4 2023 | 16.83% | 16.83% | 18.04% | 14.60% | 0.80% |
| Q1 2024 | 16.47% | 16.47% | 17.65% | 14.25% | 0.81% |
| Q2 2024 | 16.83% | 16.83% | 18.00% | 14.29% | 0.94% |
| Q3 2024 | 18.04% | 18.04% | 19.21% | 14.82% | 1.07% |
| Q4 2024 | 16.65% | 16.65% | 17.76% | 14.33% | 0.74% |
| Q1 2025 | 16.83% | 16.83% | 17.90% | 14.45% | 0.95% |
| Q2 2025 | 16.78% | 16.78% | 17.85% | 14.48% | 1.19% |
| Q3 2025 | 16.62% | 16.62% | 17.66% | 14.54% | 1.23% |
| Q4 2025 | 16.63% | 16.63% | 17.68% | 14.63% | 1.24% |
| Q1 2026 | 16.52% | 16.52% | 17.57% | 14.67% | 1.07% |
| Q2 2026 | 16.76% | 16.76% | 17.80% | 14.75% | 1.34% |
Mountainone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountainone Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mountainone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90253) · FFIEC NIC profile (RSSD 97804)