Mascoma Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 179.21 percentage points in Q2 2026, from 670.52% to 491.31%. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, Mascoma Bank is 8th of 16 on return on assets, 0.58% as of Q2 2026. Mascoma Bank's return on assets of 0.58% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 12.87% |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 8.50% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.35% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 491.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 6.88% |
| Net interest margin | 3.26% |
| Efficiency ratio | 80.16% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.81% |
| Core deposits to total deposits | 93.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.25% |
| Securities to assets | 12.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.91% | 11.91% | 12.72% | 8.60% | 0.44% |
| Q4 2023 | 11.84% | 11.84% | 12.68% | 8.58% | 0.22% |
| Q1 2024 | 11.62% | 11.62% | 12.44% | 8.51% | 0.26% |
| Q2 2024 | 11.48% | 11.48% | 12.30% | 8.59% | 0.18% |
| Q3 2024 | 11.79% | 11.79% | 12.61% | 8.64% | 0.31% |
| Q4 2024 | 11.65% | 11.65% | 12.49% | 8.67% | 0.13% |
| Q1 2025 | 11.81% | 11.81% | 12.69% | 8.71% | 0.35% |
| Q2 2025 | 11.77% | 11.77% | 12.64% | 8.84% | 0.32% |
| Q3 2025 | 11.93% | 11.93% | 12.82% | 8.86% | 0.61% |
| Q4 2025 | 11.96% | 11.96% | 12.83% | 8.89% | 0.77% |
| Q1 2026 | 11.99% | 11.99% | 12.85% | 8.93% | 0.40% |
| Q2 2026 | 12.01% | 12.01% | 12.87% | 9.09% | 0.58% |
Mascoma Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mascoma Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)