BlastPoint's Banking Scorecard
Mascoma Bank
Community
Specialty: Commercial
NH
FDIC cert 18013
Lebanon, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Mascoma Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11% in Community
- - Efficiency Drag: Bottom 60% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+2.5% YoY
+0.5% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.5B
+1.9% YoY
+1.3% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.7B
+1.8% YoY
+0.7% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.52%
+131.7% YoY
+20.6% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.96%
+18.5% YoY
+2.9% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
82.49%
-10.2% YoY
-2.9% QoQ
|
+19.86% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.09%
-10.7% YoY
+39.5% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
92.44%
+0.1% YoY
+0.5% QoQ
|
+9.38% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
13.74%
-6.1% YoY
+0.1% QoQ
|
-7.31% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.07%
-11.3% YoY
+40.5% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
11.96%
+2.7% YoY
+0.3% QoQ
|
+1.72% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.70%
+21.3% YoY
+33.8% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#105 of 371 · Top 28% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Liquidity Strain
risk
#59 of 513 · Bottom 11% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.44%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#91 of 152 · Bottom 60% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.49%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.44% · Tier avg: 83.06%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
47
47th pctile
Tier 1 Capital Ratio
Current: 11.96% · Tier avg: 10.24%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 21.05%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.49% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.49% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 21.05%
47
47th pctile
Tier 1 Capital Ratio
Current: 11.96% · Tier avg: 10.24%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.44% · Tier avg: 83.06%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M