# MOUNTAINONE BANK
NORTH ADAMS, MA · FDIC certificate 90253 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.08B | |
| Deposits | $774.3M | |
| Loans and leases | $836.8M | |
| Total equity | $170.9M | |
| Loans / deposits | 106.96% (p94 of band) | 87.10% |
| Liquid assets / assets | 13.53% (p16 of band) | |
| Uninsured deposits / deposits | 33.56% (p57 of band) | 30.76% |
| Brokered deposits | 13.95% | |
| Wholesale funding | 23.85% (p92 of band) | |
| FHLB advances / assets | 9.90% | |
| Tier 1 leverage | 14.75% (p92 of band) | 10.50% |
| Unrealized securities loss / equity | -4.73% (p65 of band) | -7.75% |
| AOCI / equity | -0.41% (p42 of band) | |
| ROA (annualized) | 1.22% (p46 of band) | 1.26% |
| Net interest margin | 3.81% (p57 of band) | 3.70% |
| Efficiency ratio | 66.99% (p72 of band) | |
| Noncurrent loans | 1.06% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p78 of band) | |
| Reserve coverage of noncurrent | 97.29% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 103.46% (p89 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 186 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | losing money, reserve under noncurrent |  |
| 2012-03 | 3 | expense ratio p90 | losing money |
| 2012-06 | 4 | NIM <2.5% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 5 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2013-09 | 4 | loans exceed deposits, capital falling | expense ratio p90, deposits shrinking, assets shrinking |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | charge-offs p90 | reserve under noncurrent |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | construction >100% equity |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2020-09 | 0 |  | construction >100% equity |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2023-09 | 2 | brokered >10% | loans exceed deposits |
| 2023-12 | 2 | loans exceed deposits | brokered >10% |
| 2024-03 | 3 | brokered >10%, charge-offs p90 | loans exceed deposits |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 0 |  | brokered >10%, charge-offs p90 |
| 2025-03 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | loans exceed deposits, construction >100% equity |  |
| 2026-03 | 6 | uninsured deposits >50%, run vulnerability |  |
| 2026-06 | 6 | reserve under noncurrent, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-30 [MountainOne Bank ranked top Massachusetts workplace - WNYT.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZXIwVkhfWTRxb1dXcUpMTXVGUDJFLVRDM1NxMjNYMGo3aXVwOU92SEJ1UEE1QW1qd3A3ZnJ4TEROS3lUV3YybXVzc0x2azE2Xzh5Ml9JVUJvLThUcDRYYnQxMXhKYzBmcndWbWdYaFRPaDVvYVpzWlZ3S3VKWDlMY09YZkdtVFIxOV9SYUFMTHJ0R1JGX1A5ZDktTjlBWG9mMFAzZW9ub2NDQQ?oc=5) · WNYT.com
- 2026-07-16 [MountainOne Bank Appoints Lisa Lotano to Lead its Pittsfield Branch - iBerkshires.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZnpiSTM2Mnp3SG0wMmN2X0swZUsxYjNQOG1jRHhKbnU0UFNfUjBZbXhaV0llbm5SV3BvaGpTMlR4d1ZXSm41YmJfeC1zcmhhMlRUZ2laOXp0U1BoVUwwdzZfSmpwWlctOGNBVDI1SGFzZGttNnBOdllsNHljMzBwNXBhbmlWSWxkdVZDeFJaam56aTNkNXRYWnZKRjAyTGx1Y3dIVW9uOTBHeE55RVZJUWlB?oc=5) · iBerkshires.com
- 2026-07-25 [MountainOne Bank appoints Lisa Lotano to community banking officer at Pittsfield branch - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOUDVWZW13MEY0alhETHMzVzh5bUEyTFE2dnItemE2SV96MzdkNmNNNVhlSXVnSDVrcnBZRkFLdGw2UnVHeElNdlZBbWsyRjZZMjBWYlFXMXRxSWdwYVV5cjN2cVlSdklpWnppdTZZWHlFYXZpVGV4T1NsRzFZVVJrS1JES0prV2JLTVh2M1R4a2NEQ0I4RTVVWjRXMTYyTG9IUzRqNms2ZlJsRGJJNDR3QXpndVV0cFRLSHg0SlRPUENwYnoyNHRsY1gxVC1XZVBSRTI2WG5aNzRMMVFLZGtxM1laTTM?oc=5) · The Berkshire Eagle
- 2025-11-17 [MountainOne Sues Ex-Advisors, Having Lost LPL Payments - Wealth Management](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNQmlDTThiQklMZzkyTDFyM1VDSE1fNXQ5OFhJbEhxNTRzRVhUZ09VS2VHY194MmNLQno2SEJ4VlY5am1uRUg2ZXh3LWd0cWhGYkg1ZnI3YVlVTjJLMTRHeUhvcDd2SXBZSUloRUtGQUtOdDZnMVFjWG1lcml2dTlscUx1NFQwNncyOUFqamFWR3ByZzdzZ3h3YzFfd2NnU1pHZHI2NFU2WXdYTWZtTS1VMXBsNnpvbHI0d0ZWZ09reTFBY2FSMHNKNlE0Q1BQOUpDZjVRUA?oc=5) · Wealth Management
- 2026-02-16 [BUSINESS BRIEFS: MountainOne Bank promotes Kyle Shepard; Dalton Rotary Club supports Soldier On; Ghent Playhouse supports Columbia County EMS; Berkshire Wind Power opens scholarships; Stockbridge Cultural Council announces awards; Berkshi - The Berkshire Edge](https://news.google.com/rss/articles/CBMiyAJBVV95cUxOY1lTaHY4eUhSZnBMRnlYNHAzdEpjS1k2YkV6RDdTOS1ZR1lfREFwSlI4SUhVTnZ4dEZZekswQ1NCQ3pCMXpYeUZneUlCaHBLWFVrU3lIV05hdDV6Szg5Zk01WWJCRFpNSnpqMEtyV3hqOXMzb0lYcFhMSkVmMzR0aFUyNGNISHIzbVNlSm9NYWJ5SUFYZTliODFLWG5LSGgwSHVMNkdWMzZXOXA2V0NuM1JseHphU0lpeVA4aW9xSWtCcGk4cVkzWXZ0ZFNmb1VCOHFnczVueUNnRWR4N20tcUtVNVN4MDRvekd4SDZZLTNBelVXVjg5OF9CZ1hGRXdsN3RjR2s1X2JpVExjU05SMVZtYmhIQTE2OHZwc3R0Umxjdk9rMktVWnBDT3doQ01UdnJVUHR5N3BmRzBQSEd3OE1oYTUtMzBM?oc=5) · The Berkshire Edge
- 2026-08-01 [MountainOne Bank appoints Tracy McConnell to leadership role - The Berkshire Eagle](https://news.google.com/rss/articles/CBMizgFBVV95cUxNazB3QjU1Z010eV9ERVlVa2xIRnE0SVBXdXd6LWtlLVFXeHA4bkRKdkFWc2VBZU9UYktnZmlMUzNsYk1YcFhpUWNHSmtmSHd6cHFFWUhXaHc1TzVVRjJHZl9Sc2pXYnhsbXE0ZzJPVUtDOFVLeUZkM2x4TEtzajBYSUdsOFBCaW4zQVlVTVZITVd6LTNQN25pVUFTRGFyNUFER2NMb3dVUXJ3clZtV21CNlhEdy1oOUxGZUVhLVJyY2M1WVZjcTJBOG1pYjR2UQ?oc=5) · The Berkshire Eagle
- 2025-03-25 [Parent Companies of MountainOne Bank and Mechanics Cooperative Bank to Merge - citybiz.co](https://news.google.com/rss/articles/CBMitgFBVV95cUxNOEJxY1FKQUkzWnFrTmtxVS1FNW03Z2FYTE1tMGstQTZOdERaSVVubWRfLTJ0MTJxTlpZbEpZemhtYlJ5MzBBVEdab1JDUjR1S1ZqZE1KdHhENHF2NzNocGZ2Q1JUQmFjRDBlNGR2dWh3cXprMzQ2eS12OW43U2dqZ2N2OFV3Wl8yZV9iSUFfR1VNT0FmMFdwRGxFZnAxMmJJaC1pcTRUYll1cFVGdk42enc1OWpqUQ?oc=5) · citybiz.co
- 2026-04-19 [MountainOne Bank Promotes Sarah Bloom to Officer, Operations Manager - BusinessWest](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZk1aZlpJUVhkVjRONlc1eUVPTFJzUnNMUm9YdFQ3Qm5tVUZTbnRnWUZiUUpvVzE2Y1JjNFBCZXlCZnpRZ1Z5YVBpdXNQWWFVZ3RYc1Zna2xxbVNlMFhQZGlfT0o5RXB2Y3BLLWV5Q1hYNHBuc3VTd2p2NjBtRkRORXhPOFhyNjhNbUp4c2VUby0wZUJUT1g2WlFLN1ZGSnc?oc=5) · BusinessWest

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90253 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "90253", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide