Bank · FDIC insured
MountainOne
A $1.1B bank headquartered in North Adams, MA, with 6 branches in Massachusetts. Best rates: CDs 4.25% and savings 0.60% APY.
MountainOne Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#58 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About MountainOne
The parent companies of MountainOne Bank and Mechanics Cooperative Bank merged into a combined mutual holding company, MountainOne Financial, MHC.
MountainOne has been part of its local communities since 1848.
- Headquarters
- 93 Main St, North Adams, MA 01247
- FDIC certificate
- 90253 ↗
Branches
6 branches in Massachusetts
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Massachusetts
6 branches
Pittsfield area · 3
- MountainOne BankMain office93 Main St, North Adams, MA 01247Directions
- Pittsfield Branch111 Silver Lake Blvd, Pittsfield, MA 01201Directions
- Williamstown Savings Bank Branch795 Main St, Williamstown, MA 01267Directions
Boston area · 3
- Quincy Branch77 Granite St, Quincy, MA 02169Directions
- South Coastal Main Off279 Union St, Rockland, MA 02370Directions
- Scituate Branch54 Front St, Scituate, MA 02066Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.75% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.06% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $108 | $88 | — |
- CapitalLeverage ratio14.75%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.06%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$108Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of MountainOne are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.