BlastPoint's Banking Scorecard
MountainOne Bank
Community
Specialty: Commercial
MA
FDIC cert 90253
North Adams, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
MountainOne Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
- - Liquidity Overhang: Bottom 22% in Community
- - Credit Risk Growth: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.8% YoY
+0.6% QoQ
|
-$341.1M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$786.4M
+7.4% YoY
+0.5% QoQ
|
-$189.1M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$780.5M
+2.7% YoY
-1.3% QoQ
|
-$384.1M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.17%
+29.1% YoY
+2.4% QoQ
|
0 |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.74%
+7.4% YoY
+1.4% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
68.76%
-7.5% YoY
-1.5% QoQ
|
+6.13% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.28%
+17.5% YoY
-1.3% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
100.76%
+4.5% YoY
+1.8% QoQ
|
+17.69% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.42%
+1.3% YoY
+7.8% QoQ
|
-1.63% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.21%
+18.1% YoY
-1.4% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
16.63%
-0.1% YoY
+0.1% QoQ
|
+6.39% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
2.18%
+2.8% YoY
+25.4% QoQ
|
+1.44% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#64 of 371 · Top 17% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.18%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.17%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#147 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.28%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Overhang
risk
#59 of 268 · Bottom 22% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.63%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
100.76%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Risk Growth
risk
#186 of 642 · Bottom 29% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 2.18% · Tier avg: 0.74%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.63% · Tier avg: 10.24%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
57
57th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
56
56th pctile
Total Loans
Current: $786.4M · Tier avg: $975.5M
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 21.05%
45
45th pctile
Total Deposits
Current: $780.5M · Tier avg: $1.2B
30
30th pctile
Efficiency Ratio
Current: 68.76% · Tier avg: 62.63%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.76% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.76% · Tier avg: 83.06%
30
30th pctile
Efficiency Ratio
Current: 68.76% · Tier avg: 62.63%
45
45th pctile
Total Deposits
Current: $780.5M · Tier avg: $1.2B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 21.05%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
56
56th pctile
Total Loans
Current: $786.4M · Tier avg: $975.5M
57
57th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.63% · Tier avg: 10.24%
96
96th pctile
Non-Interest Income / Assets
Current: 2.18% · Tier avg: 0.74%