Mascoma Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 12.04 percentage points in Q2 2026, from 261.88% to 273.92%. It was the largest change from Q1 2026 among the key lines here. Mascoma Bank ranks 7th of 16 New Hampshire banks on loan-to-deposit ratio, in the upper half at 95.81% (Q2 2026). Mascoma Bank reported 95.81% on loan-to-deposit ratio for Q2 2026, 7.61 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.51B |
| Net loans and leases | $2.49B |
| Loans held for sale | $0 |
| Loans to total assets | 82.64% |
| Loan-to-deposit ratio | 95.81% |
| Net loans to equity capital | 9.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.70% |
| Multifamily (5+ residential) | 10.14% |
| Commercial and industrial | 4.09% |
| Consumer | 0.66% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.92% |
| Construction concentration (Tier 1 capital + allowance) | 44.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.16% |
| Interest income on loans | $31.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.34B | $2.43B | 25.19% | 4.76% | 1.14% |
| Q4 2023 | $2.37B | $2.49B | 24.61% | 4.66% | 1.10% |
| Q1 2024 | $2.39B | $2.51B | 23.63% | 4.77% | 1.17% |
| Q2 2024 | $2.41B | $2.46B | 23.86% | 4.51% | 1.01% |
| Q3 2024 | $2.39B | $2.53B | 24.37% | 4.41% | 0.98% |
| Q4 2024 | $2.43B | $2.61B | 24.79% | 4.78% | 0.98% |
| Q1 2025 | $2.41B | $2.57B | 24.50% | 4.80% | 0.90% |
| Q2 2025 | $2.42B | $2.57B | 25.84% | 4.63% | 0.85% |
| Q3 2025 | $2.45B | $2.64B | 24.23% | 4.06% | 0.84% |
| Q4 2025 | $2.48B | $2.66B | 24.12% | 4.02% | 0.83% |
| Q1 2026 | $2.47B | $2.66B | 23.89% | 4.08% | 0.73% |
| Q2 2026 | $2.51B | $2.62B | 23.70% | 4.09% | 0.66% |
Mascoma Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mascoma Bank, freeSource: Call Report Schedule RC-C, 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)