BlastPoint's Banking Scorecard

MountainOne Bank

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

Designations: ✓ Community bank

North Adams, MA

6 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 -0.3% year over year ($774.3M on the books).
Delinquency rate 1.07%.
Return on assets 1.22%.
Efficiency ratio 66.99% vs a 59.73% peer average.
Loan-to-deposit ratio 106.96% 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) →

MountainOne Bank has 1 strength 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 26.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 20.9% in tier
- ROA 0.17% below tier average
- Net Interest Margin 0.06% below tier average
- Efficiency Ratio 7.27% above tier average
- Delinquency Rate 0.20% above tier average

Get updates when MountainOne 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 ?	$1.1B +5.5% YoY +1.3% QoQ	-$1.7B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Bottom 8.6% in tier
Total Loans ?	$828.2M +7.9% YoY +3.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$774.3M -0.3% YoY -1.9% QoQ	-$1.5B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Bottom 1.5% in tier
Return on Assets ?	1.22% +11.8% YoY +13.0% QoQ	-0.17%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.81% +5.3% YoY -0.5% QoQ	-0.06%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	66.99% -4.6% YoY -1.9% QoQ	+7.27%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	1.07% +239.5% YoY +230.7% QoQ	+0.20%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	106.96% +8.2% YoY +5.0% QoQ	+21.92%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	18.75% +2.0% YoY -4.8% QoQ	-2.52%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.92% +292.9% YoY +162.9% QoQ	+0.25%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	16.76% -0.1% YoY +1.5% QoQ	+1.92%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	1.06% -12.3% YoY +108.8% QoQ	+0.54%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Top 5.8% 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	18.8% +0.4pp YoY -0.9pp QoQ	-2.6pp	21.4%	16.2%	22.2%	43%
Brokered Deposits	19.5% +5.3pp YoY +2.9pp QoQ	+10.0pp	9.5%	6.1%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	8.9% -2.1pp YoY -0.3pp QoQ	-5.1pp	14.0%	6.5%	12.5%	38%
CRE	64.8% +5.2pp YoY +1.7pp QoQ	+14.7pp	50.0%	40.3%	41.4%	83%
1-4 Family	26.3% -2.3pp YoY -1.3pp QoQ	-0.1pp	26.4%	52.4%	31.3%	58%
Consumer	1.1% -0.9pp YoY -0.2pp QoQ	-3.7pp	4.7%	1.6%	5.0%	47%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	16.8% 0.0pp YoY +0.2pp QoQ	+1.2pp	15.6%	16.6%	19.7%	82%
Leverage Ratio	14.7% +0.3pp YoY +0.1pp QoQ	+3.4pp	11.3%	11.5%	12.6%	92%
Total Capital Ratio	17.8% 0.0pp YoY +0.2pp QoQ	+1.1pp	16.7%	17.5%	20.8%	81%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	186 -4 (-2.1%) YoY +8 (+4.5%) QoQ	-128	313	755	482	36%
Assets per Employee ($)	$5.8M +7.7% YoY -3.0% QoQ	-$4.7M	$10.5M	$10.7M	$8.8M	10%
Branch Count	6 0 YoY 0 QoQ	-14	20	13	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.4%	18%
Nonaccrual	1.1% +0.8pp YoY +0.7pp QoQ	+0.2pp	0.8%	0.8%	1.0%	76%
Allowance Coverage	0.97x -71.2% YoY -70.5% QoQ	-17.74x	18.71x	7.95x	20.23x	22%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	7.7% +0.7pp YoY +0.9pp QoQ	-4.9pp	12.6%	5.6%	11.6%	18%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	0.0pp	1.9%	2.0%	1.7%	51%
Net Income ($, YTD)	$6.5M +19.0% YoY — QoQ	-$12.8M	$19.2M	$31.7M	$40.4M	19%

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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

#59 of 222 • Top 26.1% 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: 1.06%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.22%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#37 of 172 • Bottom 20.9% 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: 16.76%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 106.96%

(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

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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.06%

Peer Median: 0.53%

#52 of 885 Top 5.8% in $1B-$10B

141

Tier 1 Capital Ratio

capital

Value: 16.76%

Peer Median: 14.84%

#141 of 885 Top 15.8% in $1B-$10B

Top Weaknesses (5 metrics)

873

Total Deposits

size

Value: $774.31M

Peer Median: $2.32B

#873 of 885 Bottom 1.5% in $1B-$10B

835

Loan-to-Deposit Ratio

liquidity

Value: 106.96%

Peer Median: 85.04%

#835 of 885 Bottom 5.8% in $1B-$10B

810

Total Assets

size

Value: $1.08B

Peer Median: $2.79B

#810 of 885 Bottom 8.6% in $1B-$10B

744

Total Loans

size

Value: $828.16M

Peer Median: $1.96B

#744 of 885 Bottom 16.0% in $1B-$10B

671

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.67%

#671 of 885 Bottom 24.3% in $1B-$10B