Mutualone 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.
The standout move of Q2 2026 was in Net charge-off ratio: 4.94 percentage points lower than in Q1 2026, at -0.18%. Among 89 Massachusetts banks, Mutualone Bank sits 7th from the top on return on assets, 1.50% as of Q2 2026. Mutualone Bank reported 1.50% on return on assets for Q2 2026, 0.22 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.09% |
| Equity capital to assets | 21.12% |
| Tangible equity to tangible assets | 21.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.50% |
| Non-performing assets ratio | 4.75% |
| Net charge-off ratio | -0.18% |
| Texas ratio | 20.41% |
| Allowance for credit losses to loans | 2.97% |
| Reserve coverage of non-performing loans | 45.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 7.30% |
| Net interest margin | 3.22% |
| Efficiency ratio | 65.34% |
| Yield on earning assets | 5.49% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.25% |
| Core deposits to total deposits | 75.40% |
| Brokered deposits to total deposits | 11.91% |
| Deposits to assets | 75.91% |
| Securities to assets | 8.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.39% | 1.53% | 3.98% | 0.07% | 0.00% |
| Q4 2023 | 18.55% | 1.91% | 3.85% | 0.26% | 0.00% |
| Q1 2024 | 19.32% | 2.14% | 3.73% | 0.75% | 0.00% |
| Q2 2024 | 19.76% | 1.60% | 3.99% | 0.17% | 0.00% |
| Q3 2024 | 20.49% | 1.55% | 3.93% | 1.63% | 0.01% |
| Q4 2024 | 20.69% | 0.14% | 3.62% | 1.75% | -0.00% |
| Q1 2025 | 20.66% | -0.27% | 3.35% | 7.80% | 0.55% |
| Q2 2025 | 20.04% | -3.18% | 3.42% | 10.54% | 0.20% |
| Q3 2025 | 21.01% | 1.09% | 3.47% | 8.85% | 3.52% |
| Q4 2025 | 20.80% | 1.15% | 3.23% | 9.01% | -0.32% |
| Q1 2026 | 20.58% | 0.27% | 3.17% | 6.73% | 4.77% |
| Q2 2026 | 21.09% | 1.50% | 3.22% | 6.50% | -0.18% |
Mutualone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutualone 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 Mutualone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26395) · FFIEC NIC profile (RSSD 154770)