BlastPoint's Banking Scorecard
MutualOne Bank
Designations: ✓ Mutual
Framingham, MA
MutualOne Bank faces 7 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 6% in Community
- - Capital Thin: Bottom 12% in Community
- - NIB Deposit Bleed: Bottom 58% in Community
- - Return on Assets 1.48% below tier
- - Delinquency Rate 8.04% above tier
- - Nonperforming Asset Ratio 6.02% above tier
- - Non-Interest Income / Assets 0.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-0.6% YoY
+3.1% QoQ
|
-$138.6M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$942.1M
-13.5% YoY
-5.6% QoQ
|
-$33.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$936.1M
+7.6% YoY
+8.4% QoQ
|
-$228.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
-0.32%
-123.1% YoY
+60.8% QoQ
|
-1.48% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.49%
-11.0% YoY
-1.6% QoQ
|
-0.17% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
64.33%
+34.1% YoY
+3.1% QoQ
|
+1.70% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
8.66%
+788.6% YoY
-0.7% QoQ
|
+8.04% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
100.64%
-19.6% YoY
-12.9% QoQ
|
+17.58% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.58%
-16.7% YoY
-16.0% QoQ
|
-10.47% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
6.51%
+673.4% YoY
-9.0% QoQ
|
+6.02% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.10%
+15.7% YoY
+48.6% QoQ
|
-0.64% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
Concerns (7)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.
Return on Assets
metricReturn on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%