MountainOne Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 14.5. A current level of 1.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Comm re (25%), home mtgs (20%), securities (13%), comm loans (9%), home eq lns (2%), consumer loans (1%), cash (1%), other (29%)
States with Branches:
MA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
MountainOne Financial, MHC
Investment Rating
--
Address
93 Main Street
North Adams, MA 01247
North Adams, MA 01247
Phone Number
(855) 444-6861
Year Founded
1848
FDIC Number
Website
Largest Affiliates
No affiliate information available.