0.41%
+15.9%y/y
Peer standing4th percentile
FDIC
NETINC + ROAMB
Mascoma Bank
Lebanon, New HampshireFDIC Cert #18013
STATEEstablished 189926 branches
Holding company: MASCOMA MUTUAL FINL SERVICESRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
4.84%
+9.2%y/y
Peer standing5th percentile
FDIC
NETINC + ROE0.45%
+20.5%y/y
Peer standing3rd percentile
FDIC
PTAXNETINC + ASSET3.19%
+14.0%y/y
Peer standing20th percentile
FDIC
NIM + NIMY4.76%
+4.4%y/y
Peer standing11th percentile
FDIC
INTINCY1.94%
−12.5%y/y
Peer standing88th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
87.06%
−0.2%y/y
Peer standing3rd percentile
FDIC
NONIX + NIM + NONII + EEFFR3.17%
+7.0%y/y
Peer standing13th percentile
FDIC
NONIX + ASSET16.64%
−23.2%y/y
Percentile by value52nd percentileby value
FDIC
NONII + NIM+3.75%
+296.3%y/y
Percentile by value36th percentileby value
FDIC
ASSET+3.71%
+65.3%y/y
Percentile by value39th percentileby value
FDIC
DEP+2.28%
+125.9%y/y
Percentile by value29th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.41%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDIC
NETINC + ROE4.84%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDIC
NIM + NIMY3.19%20th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.06%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDIC
DEP+3.71%39th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDIC
LNLSNET+2.28%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDIC
RBC1AAJ8.93%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.00%Median 10.35%90th 13.08%Observations 236
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.94%88th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC261%61st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 235%90th 346%Observations 214
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.41%20th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.34%Median 0.79%90th 1.73%Observations 6
ROE
FDIC
NETINC + ROE4.84%28th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.98%Median 7.30%90th 10.74%Observations 6
NIM
FDIC
NIM + NIMY3.19%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.15%Median 3.22%90th 4.18%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.06%20th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 37.79%Median 64.04%90th 88.07%Observations 6
Deposits YoY
FDIC
DEP+3.71%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +3.79%Median +5.67%90th +19.08%Observations 6
Loans YoY
FDIC
LNLSNET+2.28%28th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.09%Median +7.18%90th +20.56%Observations 6
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.35%90th 1.00%Observations 6
Leverage
FDIC
RBC1AAJ8.93%14th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.05%Median 10.88%90th 16.01%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.94%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.60%Median 2.41%90th 3.41%Observations 6
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.