Total Assets
$1.3B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$936M
Customer-funded liabilities
Net Loans
$942M
Outstanding loan book
Net Income
$-3,930K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.32%
Return on Equity (ROE)
-1.57%
Efficiency Ratio
64.33%
What the numbers say about MutualOne Bank
MutualOne Bank is an FDIC-insured institution (Certificate #26395) headquartered in Framingham, Massachusetts, established in 1889. It holds $1.3B in total assets - 872nd of 4,313 FDIC-insured banks, $936M in customer deposits, and $942M in net loans. On safety, its Tier 1 capital ratio of 20.80% is above the 10% well-capitalized threshold, and its Texas Ratio of 28.38% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (58/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Massachusetts, MutualOne Bank ranks 43rd of 91 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Massachusetts by total assets
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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is MutualOne Bank's health grade?▼
MutualOne Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is MutualOne Bank?▼
MutualOne Bank holds $1.3B in total assets and $936M in deposits, ranking 872nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Framingham, Massachusetts.
Is my money safe at MutualOne Bank?▼
Yes, deposits at MutualOne Bank (Certificate #26395) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MutualOne Bank's Tier 1 Capital Ratio?▼
MutualOne Bank has a Tier 1 Capital Ratio of 20.80%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for MutualOne Bank?▼
MutualOne Bank has a Texas Ratio of 28.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MutualOne Bank?▼
MutualOne Bank has an Efficiency Ratio of 64.33%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MutualOne Bank's profile as a depositor or analyst.
- MutualOne Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MutualOne Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.