TellerScore

Headquartered in North Adams, Massachusetts, MountainOne Bank is a si with $1.1B in total assets and $774.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1848.

MountainOne Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 16th. Capital cushion contributes the most (97/100, 14.75%); funding & liquidity contributes the least (33/100, 107% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.75%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.06%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 107.0% · 33.6% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (77 → 73), mostly because the loan quality component weakened by 25 points.

TellerScore
737678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202476
Q1 202576
Q2 202577
Q3 202578
Q4 202578
Q1 202676
Q2 202673
Tier 1 leverage ratio
5.00%9.91%14.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.29%
Q3 202414.82%
Q4 202414.33%
Q1 202514.45%
Q2 202514.48%
Q3 202514.54%
Q4 202514.63%
Q1 202614.67%
Q2 202614.75%
Noncurrent loans
0.24%0.65%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.31%
Q4 20240.24%
Q1 20250.30%
Q2 20250.31%
Q3 20250.28%
Q4 20250.28%
Q1 20260.32%
Q2 20261.06%
Return on assets
0.89%1.05%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.95%
Q4 20240.90%
Q1 20250.97%
Q2 20251.09%
Q3 20251.14%
Q4 20251.17%
Q1 20261.08%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$1.1B14.75%1.06%1.22%107.0%
Q1 202676$1.1B14.67%0.32%1.08%101.9%
Q4 202578$1.1B14.63%0.28%1.17%100.8%
Q3 202578$1.0B14.54%0.28%1.14%99.0%
Q2 202577$1.0B14.48%0.31%1.09%98.8%
Q1 202576$997.5M14.45%0.30%0.97%98.7%
Q4 202476$983.4M14.33%0.24%0.90%96.4%
Q3 202478$984.8M14.82%0.31%0.95%93.0%
Q2 202476$982.5M14.29%0.25%0.89%96.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.75%
92nd
Total risk-based capital17.80%
86th
Problem loans1.06%
25th
Net charge-offs0.16%
23rd
Return on assets1.22%
46th
Net interest margin3.81%
57th
Efficiency ratio67.0%
28th
Loans to deposits107.0%
6th
Uninsured deposits33.6%
43rd
Loan-loss reserves1.03%
35th
Texas ratio5.6%
34th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Winchester Savings BankBank Winchester, MA59 out of 100, Moderate$1.1B9.6%0.18%vs
Cape Ann Savings BankBank Gloucester, MA86 out of 100, Very strong$1.1B20.5%0.59%vs
OneLocal BankBank Norwood, MA75 out of 100, Strong$1.1B13.7%0.21%vs
Pentucket BankBank Haverhill, MA63 out of 100, Moderate$1.1B11.7%0.79%vs
Adams Community BankBank Adams, MA59 out of 100, Moderate$1.0B10.3%0.40%vs
Reading Co-operative BankBank Reading, MA56 out of 100, Moderate$1.2B7.3%0.06%vs

Deposit insurance

Is my money safe at MountainOne Bank?

Yes. MountainOne Bank is an FDIC-insured institution (FDIC certificate #90253). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.6% of deposits ($259.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.80% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

MountainOne Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, MountainOne Bank reported 81 home-loan applications under HMDA (LEI 5493002578XYSRFY2C51): 51 originated ($29,655,000 total), 13 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
MountainOne Bank
Former names
North Adams Hoosac Savings Bank; Hoosac Bank
Type
SI
FDIC certificate #
90253
RSSD ID
97804
Primary regulator
FDIC
Holding company
Mountainone Financial Mhc
Established
January 1, 1848
Headquarters
93 Main St, North Adams, MA 01247
Employees
186

Quick answers

MountainOne Bank: common questions

Is MountainOne Bank FDIC insured?

Yes. MountainOne Bank is an FDIC-insured institution (FDIC certificate #90253). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is MountainOne Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has MountainOne Bank ever failed?

There is no failure record for FDIC certificate #90253 in the FDIC failed bank list.

How many branches does MountainOne Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near North Adams

InstitutionScoreAssetsCapitalProblem loansCompare
Eastrise Federal Credit UnionCredit union Williston, VT73 out of 100, Strong$3.2B12.3%0.60%vs
Heritage Family Federal Credit UnionCredit union Rutland, VT71 out of 100, Strong$869.8M12.1%0.86%vs
Greenfield Co-operative BankBank Greenfield, MA71 out of 100, Strong$901.8M12.5%0.72%vs
The Bank of BenningtonBank Bennington, VT70 out of 100, Strong$661.9M11.4%0.40%vs
The Pittsfield Co-operative BankBank Pittsfield, MA69 out of 100, Moderate$451.5M13.4%0.36%vs
Greylock Federal Credit UnionCredit union Pittsfield, MA67 out of 100, Moderate$1.8B12.8%1.35%vs