BlastPoint's Banking Scorecard
MutualOne Bank
Designations: ✓ Community bank ✓ Mutual
Framingham, MA
3 branches across MA
MutualOne Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.3% in tier
- - Flatlined Growth: Bottom 6.7% in tier
- - Liquidity Overhang: Bottom 20.7% in tier
- - NIB Deposit Bleed: Bottom 66.7% in tier
- - Return on Assets 1.10% below tier average
- - Delinquency Rate 5.76% above tier average
- - Nonperforming Asset Ratio 4.09% above tier average
- - Non-Interest Income / Assets 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.9% YoY
+0.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$899.3M
-16.2% YoY
-4.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$968.3M
+8.3% YoY
+3.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.3% in tier |
| Return on Assets ? |
0.26%
+196.9% YoY
+183.4% QoQ
|
-1.10% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.3% in tier |
| Net Interest Margin ? |
3.28%
-5.0% YoY
-6.2% QoQ
|
-0.54% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
77.46%
+24.4% YoY
+20.4% QoQ
|
+16.40% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate ? |
6.65%
+48.5% YoY
-23.2% QoQ
|
+5.76% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.5% in tier |
| Loan-to-Deposit Ratio ? |
92.88%
-22.6% YoY
-7.7% QoQ
|
+8.67% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
10.52%
-16.6% YoY
-0.5% QoQ
|
-10.77% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.8% in tier |
| Nonperforming Asset Ratio ? |
4.76%
+23.3% YoY
-26.9% QoQ
|
+4.09% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.2% in tier |
| Tier 1 Capital Ratio ? |
20.58%
-0.4% YoY
-1.1% QoQ
|
+5.42% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 7.0% in tier |
| Non-Interest Income / Assets ? |
0.02%
+8.8% YoY
-76.6% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.