Vitals
  • Total Assets
    858.3M 1.7 %
  • Total Deposits
    644.7M 3.2 %
  • Total Net Loans
    682.0M 0.5 %
  • Net Income
    3.9M 2.5 %
  • Book Value
    91.0M 4.4 %
  • Book Value x2
    181.9M 4.4 %
  • Book Value x3
    272.9M 4.4 %
ROAA

.461

ROAE

4.419

Efficiency Ratio

80.694

Net Interest Margin

3.026

Balance Sheet Highlights
Financial Highlights Mountainone Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 858,329 761,274
Total Net Loans 681,989 592,852
Total Deposits 644,665 596,855
Total Equity 90,959 82,059
Profitability
Net Income 3,944 4,648
Return on Average Assets .461 .538
Return on Average Equity 4.419 4.944
Net Interest Margin 3.026 3.143
Efficiency Ratio 80.694 77.098
Noninterest Income/Revenue 29.265 14.538
Balance Sheet Ratios
Loan-to-Deposit 105.79 95.714
Securities/Assets .107 .124
Total Equity/Total Assets .106 .108
Tangible Equity/Tangible Assets .102 .106
Capital Adequacy
Tier 1 Common Capital 88,824 80,540
Tier 1 Capital 88,824 80,580
Tier 2 Capital 8,835 5,839
Total Capital 97,659 86,408
Total Risk Weighted Assets 717,723 559,688
Leverage Ratio 10.31 10.827
Common Equity Tier 1 Capital Ratio 12.38 15.478
Tier 1 Capital Ratio 12.38 15.53
Total Capital Ratio 13.61 16.563

Timeline for Mountainone Bank

South Coastal Bank

Acquisition: Mountainone Bank acquired a new subsidiary, South Coastal Bank, 10 years

View Profile Jul 20 2013

Rsb Properties Llc

Rsb Properties Llc became a new subsidiary organization for Mountainone Bank.

View Profile Jul 20 2013

Williamstown Savings Bank

Acquisition: Mountainone Bank acquired a new subsidiary, Williamstown Savings Bank, 11 years

View Profile Jun 23 2012

Wsb Investments, Inc.

Wsb Investments, Inc. became a new subsidiary organization for Mountainone Bank.

View Profile Jun 23 2012

True North Financial Services, Inc.

Acquisition: Mountainone Bank acquired a new subsidiary, True North Financial Services, Inc. , 13 years

View Profile Jan 11 2011

Want to see more?

Complete timeline for Mountainone Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
South Coastal Bank Seller 295,024 Pooling of Interests Discontinued 7/20/2013
Williamstown Savings Bank Seller 219,163 Pooling of Interests Discontinued 6/23/2012
True North Financial Services, Inc. Seller Pooling of Interests Discontinued 1/11/2011
North Adams Savings Bank Seller Discontinued 1/15/1965
Relationships Role Relationship Start Relationship End
Mountainone Financial, Inc. Parent 5/1/2002
Mountainone Financial, Mhc Parent 3/16/1998 4/30/2002
Nahsb Security Corp. Subsidary 3/16/1998
True North Insurance Agency, Inc. Subsidary 1/11/2011
Coakley, Pierpan, Dolan & Collins Insurance Agency, Inc. Subsidary 1/26/1999
Rsb Properties Llc Subsidary 7/20/2013
Wsb Investments, Inc. Subsidary 6/23/2012 6/23/2012
True North Financial Services, Inc. Subsidary 7/15/1999 1/10/2011
Nahsb Inc. Subsidary 9/8/1989 12/31/2004
Fhc, Inc. Subsidary 3/3/1995 12/31/2004
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