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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

MountainOne Bank

North Adams, Massachusetts · $1.08B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

21.1%
Construction / loans
12th of 12
51.7%
CRE / loans
11th of 12
+7.9%
Loans, year over year
2nd of 12, largest first

MountainOne Bank carries the most construction lending of the twelve Massachusetts banks between $1B and $3B, 21.1% of loans against a cohort median of 5.0%, inside a book that is 51.7% commercial real estate, eleventh of twelve. Loans grew 7.9% in the year to June 2026, second.

Noncurrent loans are 1.06%, tenth of twelve against a median of 0.43%, and the allowance covers them 1.0 times where the median is 1.7. Early delinquency is quiet, at 0.05% of the book 30 to 89 days past due. Loans stand at 108% of deposits, eleventh.

Return on assets is 1.20%, second, and equity is 15.8% of assets, third. Construction at four times the cohort's share is the category that peaked at 9.8% annual losses in 2010.

Construction, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 5.0% Adams Community Bank 1.8% Watertown Savings Bank 2.2% Cape Ann Savings Bank 3.2% Marthas Vineyard Bank 3.3% Pentucket Bank 3.4% Fidelity Coop Bank 4.6% Reading Coop Bank 5.4% Webster Five Cents Savings Bank 10.4% Mutualone Bank 12.1% Winchester Savings Bank 13.3% Onelocal Bank 19.5% MountainOne Bank 21.1%
Commercial real estate, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 34.7% Adams Community Bank 8.4% Watertown Savings Bank 9.5% Marthas Vineyard Bank 17.8% Cape Ann Savings Bank 19.8% Reading Coop Bank 26.3% Pentucket Bank 33.0% Fidelity Coop Bank 36.4% Mutualone Bank 40.0% Winchester Savings Bank 45.6% Onelocal Bank 50.8% MountainOne Bank 51.7% Webster Five Cents Savings Bank 59.7%

SBA 7(a), FY2008 to FY2026

MountainOne Bank is the 39th largest 7(a) lender into Massachusetts of 309, with $29M across 133 loans, 0.5% of everything approved in the state (Eastern Bank leads with $778M). 10 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Berkshire, MA$11M4th of 488.8%quiet FY2017
Plymouth, MA$8M15th of 1071.4%quiet FY2016
Bristol, MA$4M26th of 1120.7%quiet FY2015
Norfolk, MA$3M50th of 1450.4%quiet FY2018
Worcester, MA$2M63rd of 1400.3%quiet FY2014
Suffolk, MA$1M56th of 1300.2%quiet FY2016
Essex, MA$850K83rd of 1290.1%quiet FY2016
Bennington, VT$538K17th of 261.3%quiet FY2015
Middlesex, MA$150K175th of 1900.0%quiet FY2013
Barnstable, MA$50K78th of 840.0%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing15$6M19.0%0.01%644th of 2,246
Accommodation & food services21$6M18.6%0.01%768th of 2,596
Retail trade24$5M16.3%0.01%736th of 2,589
Arts, entertainment & recreation5$4M13.0%0.03%413th of 1,656
Construction21$4M12.5%0.01%681st of 2,063
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and MountainOne Bank
Eastern Bank 12.2% $778M · 8,606 loans Live Oak Banking Company 6.9% $442M · 354 loans Rockland Trust Company 6.7% $426M · 1,996 loans TD Bank, National Association 4.6% $295M · 2,208 loans Citizens Bank, National Associati… 4.1% $261M · 1,649 loans Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans Salem Five Cents Savings Bank 2.8% $179M · 667 loans Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans Mountainone Bank 0.5% $29M · 133 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers; owner-occupied excluded; bold marks a screen met
MountainOne BankRankCohort median
Total CRE against capital, the 300% screen259%7th of 12243%
Construction against capital, the 100% screen106%10th of 1238%
Construction and land development, share of loans21.1%12th of 125.0%
Non-owner-occupied nonfarm nonresidential, share of loans23.3%10th of 1211.3%
Total CRE, the guidance definition, share of loans51.7%11th of 1234.7%
CRE growth over 36 months, the third prong+38.6%9th of 12+16.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Watertown Savings Bank$1.44B0.8%67.5%0.17%0.00%0.3%52.6%11.6%
Marthas Vineyard Bank$1.33B0.6%75.2%0.09%0.00%0.8%105.5%11.1%
Fidelity Coop Bank$1.31B0.8%74.7%4.44%1.88%1.8%86.3%12.4%
Webster Five Cents Savings Bank$1.31B0.9%69.7%0.46%0.49%0.8%97.8%12.0%
Mutualone Bank$1.22B0.9%71.5%5.92%2.51%3.0%96.3%21.1%
Reading Coop Bank$1.19B0.4%80.8%0.06%0.08%0.6%95.5%6.5%
Pentucket Bank$1.12B0.7%84.4%0.79%0.04%1.0%102.5%10.7%
Winchester Savings Bank$1.09B0.4%73.9%0.18%0.00%0.5%107.1%9.3%
MountainOne Bank$1.08B1.2%68.4%1.06%0.15%1.0%108.1%15.8%
Cape Ann Savings Bank$1.07B1.7%58.6%0.59%0.00%0.8%91.4%20.2%
Onelocal Bank$1.05B1.0%62.4%0.21%0.00%0.9%108.1%13.9%
Adams Community Bank$1.01B0.5%76.7%0.40%0.00%0.6%100.7%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
MountainOne BankCohort median
20212026Change20212026Change
Loans$674M$837M+24%$649M$895M+38%
Deposits$740M$774M+5%$755M$901M+19%
NPA / loans0.63%1.06%+0.43 pts0.35%0.43%+0.08 pts
Efficiency66.0%68.4%+2.4 pts71.7%72.7%+1.0 pts
ROA1.30%1.20%-0.10 pts1.06%0.80%-0.26 pts

This read was prepared for MountainOne Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on MountainOne Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 6 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.mountainone.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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