BlastPoint's Banking Scorecard

MountainOne Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90253

Designations: ✓ Community bank

North Adams, MA

6 branches across MA

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

MountainOne Bank has 2 strengths but faces 5 concerns

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

+ Revenue Diversifier: Top 27.6% in tier
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.3% in tier
- Liquidity Overhang: Bottom 28.2% in tier
- Credit Risk Growth: Bottom 33.6% in tier
- ROA 0.29% below tier average
- Efficiency Ratio 7.23% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +7.1% YoY +1.7% QoQ	-$1.7B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Bottom 7.1% in tier
Total Loans ?	$804.1M +8.1% YoY +2.3% QoQ	-$1.2B	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$789.4M +4.7% YoY +1.1% QoQ	-$1.6B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Bottom 1.8% in tier
Return on Assets ?	1.08% +11.4% YoY -7.7% QoQ	-0.29%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.83% +8.5% YoY +2.4% QoQ	+0.02%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	68.30% -5.4% YoY -0.7% QoQ	+7.23%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.32% +5.6% YoY +14.5% QoQ	-0.57%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	101.87% +3.2% YoY +1.1% QoQ	+17.66%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 10.3% in tier
Non-Interest-Bearing Deposit Share ?	19.69% +6.3% YoY +1.4% QoQ	-1.60%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.35% +54.2% YoY +66.5% QoQ	-0.32%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	16.52% -1.9% YoY -0.7% QoQ	+1.36%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.51% -18.7% YoY -76.6% QoQ	+0.25%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Top 6.1% in tier

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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 (1)

Revenue Diversifier

growth

#62 of 221 • Top 27.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.51%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.08%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#59 of 513 • Bottom 11.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#50 of 174 • Bottom 28.2% 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: 16.52%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 101.87%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#142 of 420 • Bottom 33.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.26%

#55 of 884 Top 6.1% in $1B-$10B

143

Tier 1 Capital Ratio

capital

Value: 16.52%

Peer Median: 15.16%

#143 of 884 Top 16.1% in $1B-$10B

Top Weaknesses (4 metrics)

869

Total Deposits

size

Value: $789.36M

Peer Median: $2.34B

#869 of 884 Bottom 1.8% in $1B-$10B

822

Total Assets

size

Value: $1.07B

Peer Median: $2.82B

#822 of 884 Bottom 7.1% in $1B-$10B

794

Loan-to-Deposit Ratio

liquidity

Value: 101.87%

Peer Median: 84.20%

#794 of 884 Bottom 10.3% in $1B-$10B

750

Total Loans

size

Value: $804.11M

Peer Median: $1.96B

#750 of 884 Bottom 15.3% in $1B-$10B