MountainOne Bank
North Adams, MA
IDRSSD: 97804
Total Assets
$1.05B
Latest filing
Total Deposits
$780.51M
Latest filing
Net Interest Margin
3.87%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211871015NORTH ADAMS, MA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
MountainOne Bank
93 Main St
North Adams, MA 01247
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1848FDIC Certificate 17843
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| MountainOne Bank (Main) | 93 Main St | North Adams, MA |
| WILLIAMSTOWN SAVINGS BANK BRANCH | 795 Main St | Williamstown, MA |
| SOUTH COASTAL MAIN OFF | 279 Union St | Rockland, MA |
| SCITUATE BRANCH | 54 Front St | Scituate, MA |
| QUINCY BRANCH | 77 Granite St | Quincy, MA |
| PITTSFIELD BRANCH | 111 Silver Lake Blvd | Pittsfield, MA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1848 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01247 |
| State and County Number | 25003 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Pittsfield, MA |
Operational Info
| Number of Employees | 187 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/19/1985 |
| Primary Insurance Agency | DIF |
| Website | www.mountainone.com |
| Data Updated | 01/30/2026 |
| CERT | 90253 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.05B |
| Total Deposits | $780.51M |
| Total Liabilities | $885.26M |
| Total Equity Capital | $165.08M |
| Net Income | $3.24M |
| Net Loans and Leases | $786.41M |
| Assets Per Employee ($Millions) | $5.93M |
| Bank Premises and Fixed Assets | $12.72M |
| Cash and Balances due from Depository Institutions | $18.95M |
| Deposits Held in Domestic Offices | $780.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 7.91% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 65.41% |
| Tier 1 Risk-Based Capital Ratio | 16.632% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.717% |
| Earning Assets to total Assets | 89.42% |
Income and Expense
| Total Interest Income | $13.61M |
| Total Noninterest Income | $4.75M |
| Total Interest Expense | $4.55M |
| Total Noninterest Expense | $9.23M |
| Net Interest Income | $9.05M |
| Pre-tax Net Operating Income | $4.36M |
| Provision for Credit Losses | $213.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $72.60M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $32.15M |
| Total Liabilities and Capital | $1.05B |
Securities
| Securities | $139.27M |
| Available-for-sale debt securities | $139.27M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of MountainOne Bank?
$1.05B as of the latest filing.
How much are MountainOne Bank's total deposits?
$780.51M in total deposits.
Where is MountainOne Bank located?
North Adams, MA.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1848.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$786.41M (latest filing).
What is the total interest income (latest filing)?
$13.61M.