Mountainone Bank (FDIC #90253): Bank Stress & Real-Estate Credit Exposure
Mountainone Bank (FDIC Cert #90253): bank stress 46/100, moderate, STABLE over 7 days; parent MOUNTAINONE FINANCIAL MHC.
Mountainone Bank (#90253) lends in 3 counties across 1 state; Mountainone Bank (#90253) reaches 113 ZIP codes: Massachusetts 3 counties, 113 ZIPs.
Mountainone Bank (#90253) largest markets: Norfolk County, MA (41 branches, 41 ZIPs) (#90253), Berkshire County, MA (108 branches, 36 ZIPs) (#90253), Plymouth County, MA (72 branches, 36 ZIPs) (#90253).
Mountainone Bank (#90253) reports $1.08 billion in total assets; Mountainone Bank (#90253) equity $170.9 million (15.8% of Mountainone Bank (#90253) assets); Mountainone Bank (#90253) domestic deposits $774.3 million; Mountainone Bank (#90253) net income $6.5 million; Mountainone Bank (#90253) return on assets 1.22%; Mountainone Bank (#90253) return on equity 7.73%; Mountainone Bank (#90253) net interest income $18.2 million; Mountainone Bank (#90253) call report June 30, 2026.
Mountainone Bank (#90253) noncurrent real-estate loans: none reported; Mountainone Bank (#90253) net charge-offs on real estate 1.09%; Mountainone Bank (#90253) residential charge-offs 1.64%.
Mountainone Bank (#90253) net interest margin 3.81% against an eight-quarter Mountainone Bank (#90253) average of 3.65% (Mountainone Bank (#90253) compression -0.17 points); Mountainone Bank (#90253) non-residential real estate 163.6% of equity; Mountainone Bank (#90253) rate-exposure score 40/100, Mountainone Bank (#90253) fixed-rate trap 40/100; Mountainone Bank (#90253) risk type credit driven; Mountainone Bank (#90253) rate regime rates elevated, Mountainone Bank (#90253) snapshot October 19, 2026.
Mountainone Bank (#90253) stress score moved from 47.4 on June 22, 2026 to 45.8 on October 19, 2026; Mountainone Bank (#90253) ranged 45.8 to 47.4 over 116 snapshots.
Mountainone Bank (#90253) alerts: 3 counties; top Mountainone Bank (#90253) alert scores: Quincy County, MA 19 (low); Scituate County, MA 19 (low); Williamstown County, MA 19 (low).