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Mascoma Bank
Lebanon, NH · FDIC Certificate #18013 · Chartered 01/0
Total assets
$3.03B
Total deposits
$2.62B
Total equity
$258.10M
Net loans
$2.49B
Branches (offices)
26
Net income (YTD)
$7.47M
Rank: #422 of 4,213 U.S. banks by assets · #1 of 16 in New Hampshire. Assets changed 4.8% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.50% |
| Return on equity | 5.86% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 8.50% |
| Tier 1 leverage ratio | 9.09% |
| Uninsured deposits (share of deposits) | 13.6% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.1% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.33B | 93.4% | |
| Commercial & industrial | $102.69M | 4.1% | |
| Consumer / individual | $16.48M | 0.7% | |
| Construction & development | $130.88M | 5.3% | |
| Agricultural | $84.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.60B | $2.27B | $9.61M | $196.48M |
| Jun 2023 | $2.84B | $2.40B | $6.34M | $211.46M |
| Jun 2024 | $2.91B | $2.46B | $3.26M | $223.41M |
| Jun 2025 | $2.90B | $2.57B | $4.88M | $235.04M |
| Jun 2026 | $3.03B | $2.62B | $7.47M | $258.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Hampshire | $1.60B | 13 |
| Vermont | $1.02B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.62B.
Similar-sized banks
The National Bank Of Indianapolis ($3.04B) · The Bank Of Tampa ($3.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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