Mascoma Bank
Total assets
$3.03B
▲ +4.8% YoY
Deposits
$2.62B
▲ +1.7% YoY
Loans
$2.49B
▲ +3.5% YoY
Offices
26
MASCOMA MUTUAL FINL SERVICES
ROA (annualized)
0.50%
peers 1.26%
ROE (annualized)
5.86%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Mascoma Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.3 pts |
| Loan growth (YoY) | +3.5% | +5.9% | -2.4 pts |
| ROA | 0.50% | 1.26% | -0.8 pts |
| ROE | 5.9% | 12.2% | -6.3 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FED
- Holding company
- MASCOMA MUTUAL FINL SERVICES
- Specialization
- Commercial Lending Specialization
- Address
- 67 N Park St, Lebanon, NH, 03766
- County
- Grafton
- Metro area
- Lebanon, NH-VT
- Offices
- 26
- FDIC cert #
- 18013
- RSSD ID
- 268006
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.03B | $2.62B | $2.49B | $258.1M | $7.5M | 0.50% | 3.23% | 0.12% |
| Q1 2026 | $3.00B | $2.66B | $2.45B | $254.1M | $3.1M | 0.41% | 3.19% | 0.09% |
| Q4 2025 | $2.99B | $2.66B | $2.46B | $251.8M | $15.2M | 0.52% | 2.96% | 0.07% |
| Q3 2025 | $2.98B | $2.64B | $2.43B | $245.7M | $9.4M | 0.43% | 2.88% | 0.05% |
| Q2 2025 | $2.90B | $2.57B | $2.41B | $235.0M | $4.9M | 0.34% | 2.84% | 0.05% |
| Q1 2025 | $2.89B | $2.57B | $2.39B | $233.9M | $2.6M | 0.35% | 2.79% | 0.09% |
| Q4 2024 | $2.92B | $2.61B | $2.42B | $228.2M | $6.5M | 0.22% | 2.50% | 0.08% |
| Q3 2024 | $2.89B | $2.53B | $2.38B | $234.6M | $5.5M | 0.25% | 2.45% | 0.06% |
Loan mix (Q2 2026): real estate $2.33B · commercial $102.7M · consumer $16.5M · securities $366.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Mascoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.70% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 59.0% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Mascoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Mascoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Mascoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Mascoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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