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93 Main Street
North Adams, MA 01247

MountainOne Bank is headquartered in North Adams and is the 39th largest bank in the state of Massachusetts. It is also the 880th largest bank in the nation. It was established in 1848 and as of March of 2014, it had grown to 197 employees at 6 locations. MountainOne Bank's money market rates are 43% higher than the national average, and it has a B+ health rating.

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Checking and CD Special at MountainOne Bank in MA - 1/30/2014

MountainOne Bank has two nice deposit account promotions. The first is a checking account bonus. Open a VISTA Checking account with $50 and the bank will deposit $50 in your new VISTA Money Market acc ...

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 MountainOne Bank had $15.32 million in non-current loans and owned real-estate with $88.34 million in equity and loan loss allowances on hand to cover it. This gives MountainOne Bank a Texas Ratio of 17.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for MountainOne Bank increased slightly from 9.45% as of March 31, 2013 to 17.35% as of March 31, 2014, resulting in a negative change of 83.50%. This indicates that the balance sheet and financial strength for MountainOne Bank has declined slightly in recent periods.

Deposit Growth


In the past year, MountainOne Bank has increased its total deposits by $213.85 million, resulting in 62.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MountainOne Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MountainOne Bank has $774.81 million in assets with $88.34 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

FDIC Certificate #90253
Year Established1848
Primary RegulatorFDIC
Assets and Liabilities
Assets$774.81 million
Loans$581.74 million
Deposits$557.43 million
Equity Capital$80.39 million
Loan Loss Allowance$7.95 million
Unbacked Noncurrent Loans$13.84 million
Real Estate Owned$1.49 million
Historic Data - March 2013
Assets$494.76 million
Equity Capital$59.45 million
Loan Loss Allowance$4.39 million
Unbacked Noncurrent Loans$13.84 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.86%
Return on Assets0.28%
Return on Equity2.72%
Interest Income$6.71 million

Always verify rates and promotions with the bank or credit union. We are not MountainOne Bank, we are a rate comparison website and can not provide official rates or promotions.

MountainOne Bank Savings Account Rates

0.05%--Pinnacle Savings

MountainOne Bank Money Market Rates

0.63%$50k-VISTA Personal Money Market
0.63%$50k-VISTA Business Money Market
0.50%$100k-Pinnacle Money Market
0.50%$100k-Pinnacle Business Money Market

MountainOne Bank Checking Account Rates

0.05%--VISTA Personal Checking

MountainOne Bank CD Rates

2.00%--60 Month CD
1.50%--48 Month CD
1.25%--36 Month CD
1.00%--24 Month CD
0.80%--18 Month CD
0.60%--12 Month CD
0.40%--6 Month CD
0.30%--3 Month CD

MountainOne Bank IRA Rates

1.50%--48 Month IRA
1.25%--36 Month IRA
1.00%--24 Month IRA
0.80%--18 Month IRA
0.60%--12 Month IRA
0.40%--6 Month IRA
0.30%--3 Month IRA

MountainOne Bank Locations
Pittsfield Branch111 Silver Lake BoulevardPittsfield, MA 1201
Williamstown Savings Bank Branch795 Main StreetWilliamstown, MA 1267
Hoosac Bank93 Main StreetNorth Adams, MA 1247