MutualOne Bank
Framingham, MA
IDRSSD: 154770
Total Assets
$1.25B
Latest filing
Total Deposits
$936.07M
Latest filing
Net Interest Margin
3.38%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211371816FRAMINGHAM, MA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
MutualOne Bank
828 Concord St
Framingham, MA 01701
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 33003
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| MutualOne Bank (Main) | 828 Concord St | Framingham, MA |
| LINCOLN STREET BRANCH | 1 Lincoln St | Framingham, MA |
| NATICK FEDERAL SAVINGS BANK BRANCH | 49 Main St | Natick, MA |
Showing 2 of 2
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 | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01701 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 3 |
| 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 | 10/11/1985 |
| Primary Insurance Agency | DIF |
| Website | www.mutualone.com |
| Data Updated | 01/30/2026 |
| CERT | 26395 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.25B |
| Total Deposits | $936.07M |
| Total Liabilities | $1.00B |
| Total Equity Capital | $252.01M |
| Net Income | $3.56M |
| Net Loans and Leases | $942.06M |
| Assets Per Employee ($Millions) | $12.16M |
| Bank Premises and Fixed Assets | $5.83M |
| Cash and Balances due from Depository Institutions | $152.56M |
| Deposits Held in Domestic Offices | $936.07M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 5.7% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 70.37% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.115% |
| Earning Assets to total Assets | 95.91% |
Income and Expense
| Total Interest Income | $17.28M |
| Total Noninterest Income | $448.00k |
| Total Interest Expense | $7.31M |
| Total Noninterest Expense | $7.33M |
| Net Interest Income | $9.97M |
| Pre-tax Net Operating Income | $2.89M |
| Provision for Credit Losses | $193.00k |
| 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 | $46.93M |
| Federal Funds Sold & Reverse Repurchase Agreement | $460.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.82M |
| Total Liabilities and Capital | $1.25B |
Securities
| Securities | $107.70M |
| Available-for-sale debt securities | $76.75M |
| 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 MutualOne Bank?
$1.25B as of the latest filing.
How much are MutualOne Bank's total deposits?
$936.07M in total deposits.
Where is MutualOne Bank located?
Framingham, MA.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$942.06M (latest filing).
What is the total interest income (latest filing)?
$17.28M.