Mascoma Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mascoma Bank of Lebanon, NH against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.58% | 1.34% | -0.76% | 10th bottom |
| ROAE | 6.88% | 12.40% | -5.52% | 14th bottom |
| Net Interest Margin | 3.26% | 3.83% | -0.57% | 24th bottom |
| Efficiency Ratio | 80.16% | 57.84% | +22.32% | 6th bottom |
| PPNR / Avg Assets | 0.72% | — | — | 7th bottom |
| Yield on Earning Assets | 4.83% | 5.71% | -0.88% | 14th bottom |
| Cost of Funds | 1.68% | 2.02% | -0.34% | 70th above |
| Net Interest Spread | 2.92% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.00% | -0.85% | 85th top |
| NPA / Total Assets | 0.13% | — | — | 83rd top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans | 0.75% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 491.31% | — | — | 81st top |
| Texas Ratio | 1.35% | 5.47% | -4.12% | 78th top |
| Provision / NCO | 430.19% | — | — | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.01% | 14.99% | -2.98% | 24th bottom |
| Tier 1 Ratio | 12.01% | 15.02% | -3.01% | 23rd bottom |
| Total Capital Ratio | 12.87% | — | — | 19th bottom |
| Leverage Ratio | 9.09% | 11.11% | -2.02% | 13th bottom |
| Equity / Assets | 8.50% | 11.02% | -2.52% | 13th bottom |
| TCE / Tangible Assets | 8.31% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.81% | 86.99% | +8.82% | 27th below |
| Core Deposit Ratio | 93.76% | 85.57% | +8.19% | 78th top |
| Uninsured Deposit Ratio | 13.60% | 33.19% | -19.59% | 93rd top |
| Wholesale Funding Ratio | 4.23% | — | — | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.78% | — | — | 46th below |
| Loan Growth (Y/Y) | 3.49% | — | — | 36th below |
| Deposit Growth (Y/Y) | 1.71% | — | — | 27th below |
See Mascoma Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mascoma Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mascoma Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Mascoma Bank peer analysis.