MountainOne Bank: how it compares with its peers
Against 46 MA banks with half to twice its assets, MountainOne Bank's strongest measure in Q2 2026 is return on assets (1.22% vs. a 0.58% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $9.5M).
| Measure | MountainOne Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 0.58% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.00% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.99% | 75.47% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $9.5M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.96% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 66.99% is better than the 75.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Winchester Savings Bank Winchester, MA · $1.09B
- Cape Ann Savings Bank Gloucester, MA · $1.07B
- OneLocal Bank Norwood, MA · $1.05B
- Pentucket Bank Haverhill, MA · $1.12B
- Adams Community Bank Adams, MA · $1.01B
Questions about MountainOne Bank
How big is MountainOne Bank?
MountainOne Bank, established in 1848, is headquartered in North Adams, MA. It reported $1.08B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is MountainOne Bank's return on assets?
1.22% annualized in Q2 2026, against a 0.58% median for 46 MA banks with half to twice its assets, ahead of 91% of them.
What is MountainOne Bank's efficiency ratio?
66.99% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 75.47%, and lower is better.
Is MountainOne Bank growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits shrank 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.