Mascoma Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Common equity Tier 1 capital edged up by 1.6%, from $269.8M to $274.3M, the largest move among the key lines here. On CET1 ratio, Mascoma Bank is 1st from the bottom among 8 New Hampshire banks, 12.01% (Q2 2026). Mascoma Bank reported 12.01% on CET1 ratio for Q2 2026, 1.49 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 12.87% |
| Tier 1 leverage ratio | 9.09% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $274.3M |
| Tier 1 capital | $274.3M |
| Total risk-based capital | $294.0M |
| Total equity capital | $258.1M |
| Risk-weighted assets | $2.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.50% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | 6.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $0 |
| Retained earnings | $282.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.91% | 11.91% | 12.72% | 8.60% | $2.09B |
| Q4 2023 | 11.84% | 11.84% | 12.68% | 8.58% | $2.11B |
| Q1 2024 | 11.62% | 11.62% | 12.44% | 8.51% | $2.17B |
| Q2 2024 | 11.48% | 11.48% | 12.30% | 8.59% | $2.19B |
| Q3 2024 | 11.79% | 11.79% | 12.61% | 8.64% | $2.15B |
| Q4 2024 | 11.65% | 11.65% | 12.49% | 8.67% | $2.18B |
| Q1 2025 | 11.81% | 11.81% | 12.69% | 8.71% | $2.17B |
| Q2 2025 | 11.77% | 11.77% | 12.64% | 8.84% | $2.19B |
| Q3 2025 | 11.93% | 11.93% | 12.82% | 8.86% | $2.19B |
| Q4 2025 | 11.96% | 11.96% | 12.83% | 8.89% | $2.23B |
| Q1 2026 | 11.99% | 11.99% | 12.85% | 8.93% | $2.25B |
| Q2 2026 | 12.01% | 12.01% | 12.87% | 9.09% | $2.28B |
Mascoma Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mascoma Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mascoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18013) · FFIEC NIC profile (RSSD 268006)