MA lenders / Community Bank
MountainOne Bank
Community Bank · North Adams, MA · Mountainone Financial Mhc
- Total assets
- $1.1B
- CRE loan book
- $506.8M
- QoQ CRE growth
- 3.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 4.87% (1.16pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.11% |
| Q4 2025 | 6.20% | 6.21% |
| Q3 2025 | 6.29% | 6.36% |
| Q2 2025 | 6.12% | 6.23% |
| Q1 2025 | 5.95% | 6.04% |
| Q4 2024 | 6.03% | 6.15% |
| Q3 2024 | 6.03% | 6.22% |
| Q2 2024 | 6.02% | 6.23% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $506.8M | $169.5M | $61.7M | 252% | $0 |
| Q4 2025 | $487.9M | $174.3M | $57.4M | 244% | $0 |
| Q3 2025 | $475.3M | $154.3M | $58.8M | 238% | $0 |
| Q2 2025 | $457.3M | $140.2M | $59.3M | 231% | $0 |
| Q1 2025 | $433.4M | $122.0M | $59.7M | 221% | $0 |
| Q4 2024 | $419.4M | $111.1M | $60.1M | 218% | $0 |
| Q3 2024 | $387.8M | $102.4M | $59.8M | 188% | $174,000 |
| Q2 2024 | $407.8M | $123.9M | $60.2M | 206% | $174,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens Tri-County BankCommunity Bank · Dunlap · $505.3M CRE book
- Cass Commercial BankCommunity Bank · Des Peres · $508.8M CRE book
- Farmers State BankCommunity Bank · Marion · $512.6M CRE book
- Dundee BankCommunity Bank · Omaha · $515.7M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.