BlastPoint's Banking Scorecard

MutualOne Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26395

Designations: ✓ Community bank ✓ Mutual

Framingham, MA

3 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +8.3% year over year ($924.5M on the books).
Delinquency rate 6.10%.
Return on assets 0.88%.
Efficiency ratio 71.49% vs a 59.73% peer average.
Loan-to-deposit ratio 93.39% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

MutualOne Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.5% in tier
- Liquidity Overhang: Bottom 16.9% in tier
- Flatlined Growth: Bottom 27.2% in tier
- Cost Spiral: Bottom 93.5% in tier
- Delinquency Rate 5.23% above tier average
- Nonperforming Asset Ratio 3.65% above tier average
- Non-Interest Income / Assets 0.48% below tier average
- ROA 0.51% below tier average

Get updates when MutualOne Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +0.0% YoY -3.1% QoQ	-$1.6B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$863.4M -16.3% YoY -4.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$924.5M +8.3% YoY -4.5% QoQ	-$1.4B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Bottom 10.1% in tier
Return on Assets ?	0.88% +150.8% YoY +233.7% QoQ	-0.51%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.32% -5.7% YoY +1.2% QoQ	-0.55%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	71.49% +16.5% YoY -7.7% QoQ	+11.76%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	6.10% -39.5% YoY -8.3% QoQ	+5.23%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Bottom 0.5% in tier
Loan-to-Deposit Ratio ?	93.39% -22.7% YoY +0.6% QoQ	+8.36%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	12.40% -10.7% YoY +17.9% QoQ	-8.87%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	4.33% -49.4% YoY -9.2% QoQ	+3.65%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Bottom 0.3% in tier
Tier 1 Capital Ratio ?	21.08% +5.2% YoY +2.4% QoQ	+6.24%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Top 6.1% in tier
Non-Interest Income / Assets ?	0.05% +7.9% YoY +98.9% QoQ	-0.48%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 3.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	12.4% -1.5pp YoY +1.9pp QoQ	-9.0pp	21.4%	16.2%	22.2%	16%
Brokered Deposits	11.9% -0.4pp YoY -0.5pp QoQ	+2.5pp	9.5%	6.1%	8.5%	74%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	13.1% -13.9pp YoY -1.5pp QoQ	-0.9pp	14.0%	6.5%	12.5%	60%
CRE	53.6% -1.4pp YoY +0.1pp QoQ	+3.6pp	50.0%	40.3%	41.4%	61%
1-4 Family	17.4% -0.2pp YoY -0.2pp QoQ	-9.1pp	26.4%	52.4%	31.3%	36%
Consumer	1.7% -1.6pp YoY -0.8pp QoQ	-3.1pp	4.7%	1.6%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.6%	19.7%	n/a
Leverage Ratio	21.1% +1.0pp YoY +0.5pp QoQ	+9.8pp	11.3%	11.5%	12.6%	98%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	99 -2 (-2.0%) YoY -3 (-2.9%) QoQ	-215	313	755	482	7%
Assets per Employee ($)	$12.3M +2.0% YoY -0.2% QoQ	+$1.8M	$10.5M	$10.7M	$8.8M	79%
Branch Count	3 0 YoY 0 QoQ	-17	20	13	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.2pp	0.2%	0.1%	0.4%	8%
Nonaccrual	6.1% -4.0pp YoY -0.6pp QoQ	+5.3pp	0.8%	0.8%	1.0%	100%
Allowance Coverage	0.50x +18.8% YoY +16.6% QoQ	-18.21x	18.71x	7.95x	20.23x	7%
Net Charge-off Rate (YTD)	2.4% +2.0pp YoY -2.5pp QoQ	+2.1pp	0.3%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	4.3% +12.9pp YoY +3.0pp QoQ	-8.3pp	12.6%	5.6%	11.6%	6%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+0.5pp	1.9%	2.0%	1.7%	82%
Net Income ($, YTD)	$5.5M +150.9% YoY — QoQ	-$13.8M	$19.2M	$31.7M	$40.4M	14%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk

#3 of 361 • Bottom 0.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.39%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#30 of 172 • Bottom 16.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.08%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 93.39%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#45 of 162 • Bottom 27.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.88%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Cost Spiral

risk

#30 of 31 • Bottom 93.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.49%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 21.08%

Peer Median: 14.84%

#55 of 885 Top 6.1% in $1B-$10B

Top Weaknesses (9 metrics)

883

Nonperforming Asset Ratio

credit_quality

Value: 4.33%

Peer Median: 0.67%

#883 of 885 Bottom 0.3% in $1B-$10B

879

Delinquency Rate

credit_quality

Value: 6.10%

Peer Median: 0.87%

#879 of 882 Bottom 0.5% in $1B-$10B

856

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.53%

#856 of 885 Bottom 3.4% in $1B-$10B

797

Total Deposits

size

Value: $924.50M

Peer Median: $2.32B

#797 of 885 Bottom 10.1% in $1B-$10B

738

Non-Interest-Bearing Deposit Share

funding

Value: 12.40%

Peer Median: 21.27%

#738 of 885 Bottom 16.7% in $1B-$10B

724

Efficiency Ratio

profitability

Value: 71.49%

Peer Median: 59.73%

#724 of 885 Bottom 18.3% in $1B-$10B

722

Total Assets

size

Value: $1.22B

Peer Median: $2.79B

#722 of 885 Bottom 18.5% in $1B-$10B

710

Total Loans

size

Value: $863.43M

Peer Median: $1.96B

#710 of 885 Bottom 19.9% in $1B-$10B

692

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.39%

#692 of 885 Bottom 21.9% in $1B-$10B