Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #18013 · Lebanon, New Hampshire · Est. 1899
Mascoma Bank - FDIC Bank Health Profile
A community-scale look at Mascoma Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- C
- Health grade · Fair
- 0.52%
- Return on assets
- 12.0%
- Tier 1 capital
Data updated July 2026
The verdict
Mascoma Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.96% Tier 1, 0.52% ROA, 82% efficiency ratio.
- #425
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 11.96%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Mascoma Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Mascoma Bank's composite health score
Tier 1 Capital Ratio (11.96%) 28/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (0.83%) 20/20
Efficiency Ratio (82.49%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.7B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Mascoma Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mascoma Bank's score of 62/100 falls in the highlighted band.
Mascoma Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mascoma Bank's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.96%
Texas Ratio
0.83%
Equity Capital
$252M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.52%
Return on Equity (ROE)
6.36%
Efficiency Ratio
82.49%
What the numbers say about Mascoma Bank
Mascoma Bank is an FDIC-insured institution (Certificate #18013) headquartered in Lebanon, New Hampshire, established in 1899. It holds $3.0B in total assets - 425th of 4,313 FDIC-insured banks, $2.7B in customer deposits, and $2.5B in net loans. On safety, its Tier 1 capital ratio of 11.96% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.83% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Mascoma Bank's asset base places it among the largest FDIC-insured institutions in the country, 425th of 4,313 nationally, and 1st of 17 banks headquartered in New Hampshire. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$132M
Interest Income
$21M
Non-Interest Income
$86M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Mascoma Bank reports a Texas Ratio of 0.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Hampshire by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mascoma Bank (FDIC Cert #18013) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of New HampshireLaconia | $2.7B | B | 0.92% |
| Bank of New EnglandSalem | $1.8B | A | 2.28% |
| Meredith Village Savings BankMeredith | $1.6B | C | 0.43% |
| Merrimack County Savings BankConcord | $1.4B | C | 0.27% |
| Franklin Savings BankFranklin | $917M | B | 0.77% |
| Savings Bank of WalpoleWalpole | $839M | B | 0.78% |
| Primary BankBedford | $723M | A | 1.62% |
| Claremont Savings BankClaremont | $620M | C | 0.43% |
Frequently asked questions
What is Mascoma Bank's health grade?▼
Mascoma Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Mascoma Bank?▼
Mascoma Bank holds $3.0B in total assets and $2.7B in deposits, ranking 425th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lebanon, New Hampshire.
Is my money safe at Mascoma Bank?▼
Yes, deposits at Mascoma Bank (Certificate #18013) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Mascoma Bank's Tier 1 Capital Ratio?▼
Mascoma Bank has a Tier 1 Capital Ratio of 11.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Mascoma Bank?▼
Mascoma Bank has a Texas Ratio of 0.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Mascoma Bank?▼
Mascoma Bank has an Efficiency Ratio of 82.49%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Mascoma Bank's profile as a depositor or analyst.
- Mascoma Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Mascoma Bank against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.