Mascoma Bank

67 North Park Street
Lebanon, NH 03766


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18013
Date Established 1899
Assets $1.70 billion
Loans $1.40 billion
Deposits $1.36 billion
Capital $0.15 billion

Mascoma Bank is an FDIC insured institution located in Lebanon, NH. It was founded in 1899 and has approximately $1.7 billion in assets. Customers can open an account at one of its 28 branches.

For a more detailed analysis of Mascoma Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Mascoma Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks, Mascoma Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 50.95
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 7.09
Construction and Development Loans 3.35
Commercial Real Estate 28.52
Commercial and Industrial Loans 7.86
Farm Loans 0.00

Deposit Rates - September 18, 2018

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.20% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.35% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
2.65% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
1.00% $500 - Learn MoreShow Less
Special: 60 Mo FIRA
1.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.50% $25 - Learn MoreShow Less
MM 10K
0.05% $1,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,000 $1,999 Learn MoreShow Less
Int Ckg 2.5K
0.05% $2,000 - Learn MoreShow Less

Loan Rates - September 18, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 4.55% 3.99% $737.99 Learn MoreShow Less
4 Year 4.55% 3.99% $564.36 Learn MoreShow Less
5 Year 4.55% 3.99% $460.30 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Mascoma Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Mascoma Bank Locations

Financial Details

Mascoma Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mascoma Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Mascoma Bank U.S. Bank Average
1.8% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Mascoma Bank had $2,855,000 in non-current loans and $154,000 in owned real estate. To cover these potential losses it had $152,673,000 in equity and $14,547,000 in loans loss reserves. That gives it a Texas Ratio of 1.8%.

Return on Equity
Mascoma Bank U.S. Bank Average
8.4% 9.35%

Mascoma Bank has a Return on Equity of 8.4% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Mascoma Bank U.S. Bank Average
8.97% 12.01%

Mascoma Bank has a Capitalization of 8.97% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Mascoma Bank Balance Sheet Analysis

As of March 31, 2018, Mascoma Bank had assets of $1,702,777,000, loans of $1,404,244,000, and deposits of $1,364,330,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.01 billion
Total securities $0.17 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.40 billion
Loan loss allowance $0.01 billion
Trading account assets $0.01 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.05 billion
     Total Assets $1.55 billion
Total deposits $1.36 billion
      Interest-bearing deposits $1.16 billion
      Deposits held in domestic offices $1.36 billion
      % insured (estimated) 90.02%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.16 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.55 billion
      Shareholders’ Equity $0.15 billion

Summary Income Statement

Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Mascoma Bank

Branches and Savings

Is Mascoma Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18013.

Why does Mascoma Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Mascoma Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Mascoma Bank a commercial bank?


Where are Mascoma Bank locations?

See branch locations nearby.

Is Mascoma Bank open on Saturdays?

Is Mascoma Bank open on Sundays?

What time does Mascoma Bank open?

What time does Mascoma Bank close?

Are Mascoma Bank ATMs Open 24/7?

Do Mascoma Bank ATMs accept cash deposits?

Can Mascoma Bank customers use other ATMs?

Do Mascoma Bank branches have notaries?

Will Mascoma Bank notarize my document?

What address for Mascoma Bank should I put for incoming ACH transfers?

Will the Mascoma Bank branch print checks?

Do Mascoma Bank checks expire?

Does Mascoma Bank require US citizenship to open account?

Can Mascoma Bank close my account?

Does Mascoma Bank Report to credit bureaus?

Does Mascoma Bank Use Equifax?

What is Mascoma Bank's ACH Routing Number?

What is Mascoma Bank's SWIFT code?


Does Mascoma Bank offer mortgages?

Compare mortgage rates here.

Does Mascoma Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mascoma Bank offer personal loans?

Compare personal loan rates here.

Does Mascoma Bank offer student loans?

Will Mascoma Bank cash a check?

Will Mascoma Bank redeem a savings bond?

Does Mascoma Bank cash savings bonds?

Will Mascoma Bank cash money orders?

Can Mascoma Bank issue a money order?

Does Mascoma Bank do currency exchange?

Background on The Bank

Who owns Mascoma Bank?

How long has Mascoma Bank been around?

Can Mascoma Bank transfer to other banks?

Does Mascoma Bank have quick pay?

Does Mascoma Bank accept rolled coins?

Will Mascoma Bank accept loose change?

Where is Mascoma Bank headquarters?

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