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Mascoma Bank
Lebanon, NH·FDIC Cert #18013·Charter: STATE·Est. 18990101.0·HC: MASCOMA MUTUAL FINL SERVICES
Total Assets
$3.0B
Q4 2025
Return on Assets
0.52%
+0.09%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
82.49%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.52%+0.09
ROE
6.36%+1.04
Efficiency
82.49%-2.47
Equity/Assets
0.00%+0.00
NPL Ratio
0.09%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.44%+0.49
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.2 | 0.3 | 0.2 | 0.4 | 0.3 | 0.4 | 0.5 |
| ROE | 3.5 | 3.0 | 3.3 | 2.9 | 4.4 | 4.2 | 5.3 | 6.4 |
| Efficiency | 91.6 | 93.0 | 92.1 | 91.9 | 87.2 | 88.3 | 85.0 | 82.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 94.4 | 97.3 | 93.8 | 92.4 | 93.2 | 93.5 | 91.9 | 92.4 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.7B
Total Loans$2.5B
Total Equity$251.8M
Profitability
ROA0.52%
ROE6.36%
Efficiency Ratio82.49%
Net Income$15.2M
Risk & Asset Quality
NPL Ratio0.09%
Charge-off Rate0.00%
Loan/Deposit92.44%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans