MountainOne Bank

Overview / Commentary
93 Main Street
North Adams, MA 01247

MountainOne Bank is headquartered in NORTH ADAMS and is the 53rd largest bank in the state of Massachusetts. It is also the 1,040th largest bank in the nation. It was established in 1848 and as of March of 2023, it had grown to 179 employees at 6 locations. MountainOne Bank's money market rates are 3X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #90253
Year Established1848
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.54%
Return on Equity - YTD10.8%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$942.4MM$876.8MM
LoansQ1 2023vs Q1 2022$696.5MM$614.9MM
DepositsQ1 2023vs Q1 2022$705.4MM$727.2MM
Equity CapitalQ1 2023vs Q1 2022$135.9MM$127.8MM
Loan Loss AllowanceQ1 2023vs Q1 2022$9.2MM$13.8MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.2MM$2.1MM
Real Estate OwnedQ1 2023vs Q1 2022$0$70.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MountainOne Bank Savings Account Rates

1.00%$1-Youth Savings
0.50%$1-Pinnacle Savings

MountainOne Bank Money Market Rates

1.25%*$100k*-VISTA Personal Money Market
OTHER TIERS: 0.50% $1 - $5k | 0.60% $5k - $25k | 0.70% $25k - $50k | 1.00% $50k - $100k
1.25%*$100k*-VISTA Business Money Market
OTHER TIERS: 0.50% $1 - $5k | 0.60% $5k - $25k | 0.70% $25k - $50k | 1.00% $50k - $100k
1.15%*$100k*-Pinnacle Money Market
OTHER TIERS: 0.45% $1 - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.95% $50k - $100k
1.15%*$100k*-Pinnacle Business Money Market
OTHER TIERS: 0.45% $1 - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.95% $50k - $100k

MountainOne Bank Checking Account Rates

0.05%$1-VISTA Premier Checking

MountainOne Bank CD Rates

4.35%$10-8 Month CD
2.00%$10-60 Month CD
1.85%$10-48 Month CD
1.75%$10-36 Month CD
1.50%$10-24 Month CD
1.35%$10-18 Month CD
1.25%$10-12 Month CD
0.85%$10-6 Month CD
0.75%$10-3 Month CD

MountainOne Bank IRA Rates

1.85%$10-48 Month IRA
1.75%$10-36 Month IRA
1.50%$10-24 Month IRA
1.35%$10-18 Month IRA
1.25%$10-12 Month IRA
0.85%$10-6 Month IRA
0.75%$10-3 Month IRA

MountainOne Bank Locations
Pittsfield Branch111 Silver Lake BoulevardPittsfield, MA 01201
Williamstown Savings Bank Branch795 Main StreetWilliamstown, MA 01267
Hoosac Bank93 Main StNorth Adams, MA 01247
Quincy Branch77 Granite StreetQuincy, MA 02169
Scituate Branch54 Front StreetScituate, MA 02066
South Coastal Main Off279 Union StreetRockland, MA 02370

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