Bank · FDIC insured
MutualOne Bank
A $1.2B bank headquartered in Framingham, MA, with 3 branches in Massachusetts. Best rates: CDs 3.56% and savings 0.40% APY.
MutualOne Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#110 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About MutualOne Bank
MutualOne Bank is located in Framingham, Massachusetts.
- Headquarters
- 828 Concord St, Framingham, MA 01701
- FDIC certificate
- 26395 ↗
Branches
3 branches in Massachusetts
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Massachusetts
3 branches
- MutualOne BankMain office828 Concord St, Framingham, MA 01701Directions
- Lincoln Street Branch1 Lincoln St, Framingham, MA 01702Directions
- Natick Federal Savings Bank Branch49 Main St, Natick, MA 01760Directions
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 | 21.09% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 5.92% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.88% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio21.09%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent5.92%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.88%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ 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 MutualOne Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.