Headquartered in Lebanon, New Hampshire, Mascoma Bank is a state-chartered bank (fed member) with $3.0B in total assets and $2.6B in deposits as of Q2 2026. It operates 26 offices across 2 states. Its charter dates back to 1899.
Mascoma Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 17 banks headquartered in New Hampshire, it ranks 12th. Problem-loan coverage contributes the most (97/100, 1.3%); earnings contributes the least (40/100, 0.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 64 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.59% |
| Q3 2024 | 8.64% |
| Q4 2024 | 8.67% |
| Q1 2025 | 8.71% |
| Q2 2025 | 8.84% |
| Q3 2025 | 8.86% |
| Q4 2025 | 8.89% |
| Q1 2026 | 8.93% |
| Q2 2026 | 9.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $3.0B | 9.09% | 0.15% | 0.50% | 95.1% |
| Q1 2026 | 63 | $3.0B | 8.93% | 0.11% | 0.41% | 91.9% |
| Q4 2025 | 64 | $3.0B | 8.89% | 0.09% | 0.52% | 92.4% |
| Q3 2025 | 64 | $3.0B | 8.86% | 0.06% | 0.43% | 91.9% |
| Q2 2025 | 62 | $2.9B | 8.84% | 0.06% | 0.34% | 93.5% |
| Q1 2025 | 62 | $2.9B | 8.71% | 0.09% | 0.35% | 93.2% |
| Q4 2024 | 61 | $2.9B | 8.67% | 0.10% | 0.22% | 92.4% |
| Q3 2024 | 61 | $2.9B | 8.64% | 0.07% | 0.25% | 93.8% |
| Q2 2024 | 60 | $2.9B | 8.59% | 0.05% | 0.22% | 97.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Hampshire
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of New HampshireBank Laconia, NH | 72 out of 100, Strong | $2.8B | 12.1% | 0.63% | vs |
| Bank of New EnglandBank Salem, NH | 73 out of 100, Strong | $1.8B | 16.8% | 1.73% | vs |
| Meredith Village Savings BankBank Meredith, NH | 62 out of 100, Moderate | $1.6B | 10.3% | 0.41% | vs |
| Merrimack County Savings BankBank Concord, NH | 60 out of 100, Moderate | $1.4B | 9.8% | 0.64% | vs |
Deposit insurance
Is my money safe at Mascoma Bank?
Yes. Mascoma Bank is an FDIC-insured institution (FDIC certificate #18013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.6% of deposits ($356.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.87% (benchmark: 10%).
26 locations
Branches
Mascoma Bank lists 26 offices in 24 cities across 2 states. Most locations:
- Burlington, VT (2)
- White River Junction, VT (2)
- Bethel, VT (1)
- Bethlehem, NH (1)
- Canaan, NH (1)
- Chelsea, VT (1)
- Claremont, NH (1)
- Enfield, NH (1)
- Hanover, NH (1)
- Hartland, VT (1)
- Keene, NH (1)
- Lancaster, NH (1)
Identity & history
Profile
- Legal name
- Mascoma Bank
- Former names
- Mascoma Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 18013
- RSSD ID
- 268006
- Primary regulator
- FED
- Holding company
- Mascoma Mutual Finl Services
- Established
- January 1, 1899
- Headquarters
- 67 N Park St, Lebanon, NH 03766
- Website
- www.mascoma.bank
- Employees
- 423
Quick answers
Mascoma Bank: common questions
Is Mascoma Bank FDIC insured?
Yes. Mascoma Bank is an FDIC-insured institution (FDIC certificate #18013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mascoma Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Mascoma Bank ever failed?
There is no failure record for FDIC certificate #18013 in the FDIC failed bank list.
How many branches does Mascoma Bank have?
26 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sugar River BankBank Newport, NH | 80 out of 100, Strong | $424.3M | 14.1% | 0.33% | vs |
| Bar Harbor Bank & TrustBank Bar Harbor, ME | 73 out of 100, Strong | $4.7B | 10.5% | 0.32% | vs |
| Bank of New HampshireBank Laconia, NH | 72 out of 100, Strong | $2.8B | 12.1% | 0.63% | vs |
| Claremont Savings BankBank Claremont, NH | 68 out of 100, Moderate | $619.7M | 12.4% | 0.45% | vs |
| Northfield Savings BankBank Northfield, VT | 68 out of 100, Moderate | $1.6B | 11.0% | 0.52% | vs |
| 802 Credit UnionCredit union Barre, VT | 67 out of 100, Moderate | $507.7M | 12.5% | 1.50% | vs |