Mascoma Bank
Mascoma Bank reported total assets of $3.0 bn at Q2 2026, up 4.8% on a year earlier, the 416th largest of 497 banks in our US coverage. The CET1 capital ratio at Mascoma Bank was 12.01%, and the uninsured share of Mascoma Bank was 13.60%. Source: FDIC Call Reports.
Key takeaways
- Mascoma Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 83.92% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- On net interest margin, Mascoma Bank climbed from 423rd to 364th among 500 US banks between and (1 = highest; FDIC Call Reports).
- The return on assets (ROA) of Mascoma Bank, 0.50% at , places Mascoma Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets Mascoma Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower uninsured share of domestic deposits than Mascoma Bank, at 13.60% in ; the group median is 32.61%.
How large is Mascoma Bank?
The balance sheet of Mascoma Bank at : assets $3.0 bn, deposits $2.6 bn, net loans $2.5 bn (loans equal to 95.09% of deposits). Securities make up 12.1% of total assets at Mascoma Bank. Since , when Mascoma Bank held $1.4 bn, its assets grew 113.7%. In the year to , deposits at Mascoma Bank rose 1.7% while its total assets rose 4.8%. At , Mascoma Bank employed 423 full-time equivalent staff across 26 offices, about $7.2 mn of assets per employee and $100.7 mn of deposits per office.
How much funding at Mascoma Bank is uninsured?
At Mascoma Bank, uninsured deposits (above the FDIC limit) made up 13.60% of domestic deposits at (-0.06 pp on a year earlier); Mascoma Bank ranks 454th of 500 on this measure. In dollars, Mascoma Bank estimated $356.1 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +1.7% | 400th of 499 |
| Net loans and leases | $2.5 bn | +3.5% | 365th of 500 |
| Loan-to-deposit ratio | 95.09% | +1.62 pp | 110th of 500 |
| Tier 1 leverage ratio | 9.09% | +0.24 pp | 421st of 500 |
| Total risk-based capital ratio | 12.87% | +0.24 pp | 369th of 448 |
| Net interest margin | 3.23% | +0.39 pp | 364th of 500 |
| Return on assets (ROA) | 0.50% | +0.16 pp | 472nd of 500 |
| Efficiency ratio | 83.92% | -4.40 pp | 485th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $31.6 mn | Narrowed by $9.2 mn | |
| Noncurrent loans to total loans | 0.15% | +0.08 pp | 48th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.02 pp | 111th of 500 (1 = lowest) |
US rank of Mascoma Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Mascoma Bank: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.6bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Mascoma Bank stood at 12.01% in , +0.24 pp year on year. Low and high at Mascoma Bank since : 11.48% () to 13.43% (). Equity capital of Mascoma Bank at : $258.1 mn, or 8.5% of total assets. Mascoma Bank also reported a total capital ratio of 12.87% for , and a tier 1 leverage ratio of 9.09%.
The available-for-sale portfolio of Mascoma Bank showed an unrealized loss of $31.6 mn at ; the loss narrowed by $9.2 mn over the year.
Mascoma Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.1%
Mascoma Bank: unrealized securities gains and losses
- Available for sale -$32mn
- Held to maturity $0
Profitability and loan quality
For the year to , Mascoma Bank earned a return on equity of 5.86%; return on assets: 0.50%. Net interest margin at Mascoma Bank: 3.23%, +0.39 pp in a year. Mascoma Bank net income: $7.5 mn, up 53.1% year on year. The efficiency ratio of Mascoma Bank was 83.92%: about 84 cents cost per revenue dollar, against 64 cents at the median peer.
At , noncurrent loans were 0.15% of total loans at Mascoma Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Mascoma Bank: $2.5 bn, up 3.5% in a year.
Mascoma Bank: profitability
- Return on equity 5.9%
- Net interest margin 3.2%
- Return on assets 0.5%
Peer group of Mascoma Bank
The peer group of Mascoma Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Mascoma Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Hampshire. Against them, Mascoma Bank shows CET1 ratio 12.01% against a peer median of 12.70%, return on equity 5.86% against a peer median of 11.03% and uninsured deposit share 13.60% against a peer median of 46.33%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
| The Bank of Tampa | State nonmember bank | FL | $3.0 bn | 14.52% | 13.05% | 53.42% | |
| U. S. Century Bank | State nonmember bank | FL | $3.0 bn | 12.48% | 16.79% | 54.26% | |
| Southern Bancorp Bank | State member bank | AR | $3.0 bn | not reported | 6.80% | 39.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at Mascoma Bank, to : assets +5.0%, deposits +3.3%, equity +10.0%. Staff 381 to 423; offices 28 to 26.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn |
| Total deposits | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.6 bn |
| Bank equity capital | $234.6 mn | $228.2 mn | $233.9 mn | $235.0 mn | $245.7 mn | $251.8 mn | $254.1 mn | $258.1 mn |
| CET1 ratio | 11.79% | 11.65% | 11.81% | 11.77% | 11.93% | 11.96% | 11.99% | 12.01% |
| Return on equity (ROE) | 3.29% | 2.90% | 4.43% | 4.20% | 5.32% | 6.36% | 4.84% | 5.86% |
| Uninsured share of domestic deposits | 13.47% | 13.25% | 14.05% | 13.66% | 15.60% | 14.58% | 14.44% | 13.60% |
| Full-time equivalent employees | 381 | 381 | 386 | 401 | 401 | 408 | 419 | 423 |
| Number of offices | 28 | 28 | 28 | 26 | 26 | 26 | 26 | 26 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Mascoma Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Mascoma Bank?
Mascoma Bank reported $3.0 bn at in its Call Report. That makes Mascoma Bank the 416th largest of 497 banks in our US coverage.
Is Mascoma Bank the same as its holding company?
No. This page covers Mascoma Bank, FDIC certificate 18013; MASCOMA MUTUAL FINL SERVICES (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Mascoma Bank profitable?
Mascoma Bank reported net income of $7.5 mn for the year to ; annualized return on equity: 5.86%. So yes: Mascoma Bank made a profit over these months.
When is data for Mascoma Bank next updated?
Figures from Mascoma Bank for are due after .
Where can I check the figures for Mascoma Bank?
In the FDIC BankFind Suite record for certificate 18013, and in the Call Reports of Mascoma Bank (RSSD ID 268006) at the FFIEC Central Data Repository.