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.

From Q2 2025 to Q2 2026, the score rose 17 points (37 → 54), mostly because the earnings component improved by 55 points.

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

Similar-size banks in Massachusetts

Yes. MutualOne Bank is an FDIC-insured institution (FDIC certificate #26395). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($322.0M) 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 21.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

MutualOne Bank lists 3 offices in 2 cities. Most locations:

• Framingham, MA (2)
• Natick, MA (1)

All branch addresses and map

In 2025, MutualOne Bank reported 49 home-loan applications under HMDA (LEI 549300L1RVMMHUVKTQ94): 37 originated ($73,105,000 total), 8 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.0%, 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.

Legal name

MutualOne Bank

Former names

Framingham Co-operative Bank

Type

SI

FDIC certificate #

26395

RSSD ID

154770

Primary regulator

FDIC

Established

January 1, 1889

Headquarters

828 Concord St, Framingham, MA 01701

Website

www.mutualone.com

Employees

99