| Metric | MutualOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | +8.3% | +5.1% | +3.2 pts |
| Loan growth (YoY) | -16.3% | +5.9% | -22.2 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 4.3% | 12.2% | -7.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $924.5M | $863.4M | $257.2M | $5.5M | 0.88% | 3.32% | 4.33% |
| Q1 2026 | $1.26B | $968.3M | $899.3M | $252.7M | $830K | 0.26% | 3.28% | 4.76% |
| Q4 2025 | $1.25B | $936.1M | $942.1M | $252.0M | $-3.9M | -0.32% | 3.49% | 6.51% |
| Q3 2025 | $1.22B | $863.5M | $997.8M | $248.1M | $-7.5M | -0.81% | 3.55% | 7.16% |
| Q2 2025 | $1.22B | $853.8M | $1.03B | $244.1M | $-10.8M | -1.74% | 3.52% | 8.54% |
| Q1 2025 | $1.25B | $894.2M | $1.07B | $253.9M | $-855K | -0.27% | 3.45% | 3.86% |
| Q4 2024 | $1.26B | $869.9M | $1.09B | $254.0M | $17.5M | 1.37% | 3.92% | 0.84% |
| Q3 2024 | $1.25B | $871.8M | $1.07B | $254.9M | $17.0M | 1.78% | 4.00% | 0.20% |
Loan mix (Q2 2026): real estate $617.5M · commercial $113.4M · consumer $14.4M · securities $98.6M
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 59.0% | 82nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MutualOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $853.8M branch deposits. Biggest market: Middlesex, MA, ranked 26th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 3 | $853.8M | 0.90% | 26th |
Massachusetts: 63rd with 0.14% · Boston-Cambridge-Newton metro: 43rd, 0.15% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3