FDIC Cert #26395 · Framingham, Massachusetts · Est. 1889

MutualOne Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.3B
Total assets
C
Health grade · Fair
-0.32%
Return on assets
20.8%
Tier 1 capital

Data updated July 2026

The verdict

MutualOne Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 20.80% Tier 1, -0.32% ROA, 64% efficiency ratio.

#872
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
20.80%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 26395 · MA C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3884/4307
  • PHOTO-FINISH RG Bank, A Savings a… · CO
  • TIER1-WELL 20.8% Tier 1
  • TEXAS-HEALTHY 28.4% Texas
  • ROA-LOSS -0.32% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: RG Bank, A Savings and Loan Association, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around MutualOne Bank

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Belmont Savings Bank · OH · …58/100First Federal Saving… · OH ·…58/100MutualOne Bank · MA · this b…58/100RG Bank, A Savings a… · CO ·…58/100The Harbor Bank of M… · MD ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around MutualOne Bank · July 2026

Plate reading for MutualOne Bank where failures stay rare

MutualOne Bank (FDIC Cert #26395) carries a PlainBankData health grade of C at 58/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,884 of 4,307. Tier 1 capital prints at 20.80%, clearing the 10% well-capitalized line. The Texas Ratio is 28.38%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.32%. Balance-sheet scale is $1.3B, 872nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is RG Bank, A Savings and Loan Association (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around MutualOne Bank

Only 1 FAILURE resolution in Massachusetts since 2000

MutualOne Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How MutualOne Bank's 58/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10058/100
MutualOne Bank's composite health score
Tier 1 Capital Ratio (20.80%) 40/40
Return on Assets (ROA) (-0.32%) 0/25
Texas Ratio (28.38%) 10/20
Efficiency Ratio (64.33%) 8/15

58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$936M

Customer-funded liabilities

Net Loans

$942M

Outstanding loan book

Net Income

$-3,930K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.4% 20.8% 22.2%
Basel III capital ratios - MutualOne Bank

Where MutualOne Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MutualOne Bank's score of 58/100 falls in the highlighted band.

MutualOne Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. MutualOne Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

MutualOne Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MutualOne Bank's $1.3B falls in the highlighted band.

Safety metrics: MutualOne Bank

Tier 1 capital ratio
Well-capitalized 10%

20.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.80%
Texas Ratio
28.38%
Equity Capital
$252M

What these ratios mean →

Profitability metrics: MutualOne Bank

Return on Assets (ROA)
3rd percentile nationally
-0.32%
Return on Equity (ROE)
-1.57%
Efficiency Ratio
64.33%

What these mean →

Income & expense: loss period at MutualOne Bank

$71M
Interest Income
$1M
Non-Interest Income
$27M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. MutualOne Bank reports a Texas Ratio of 28.38% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

28.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at MutualOne Bank

MutualOne Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,930K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at MutualOne Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View MutualOne Bank on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Massachusetts so the neighborhood is not state containment.

Midwest Bank $1.3B · NE Central Penn Bank & Trust $1.3B · PA The Bennington State Bank $1.3B · KS The First National Bank of Hutchinson $1.3B · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MutualOne Bank (FDIC Cert #26395) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

MutualOne Bank Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%