BlastPoint's Banking Scorecard
Mascoma Bank
Designations: ✓ Community bank
Lebanon, NH
26 branches across NH · VT
Mascoma Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.4% in tier
- - Credit Quality Pressure: Bottom 3.5% in tier
- - Liquidity Strain: Bottom 10.5% in tier
- - Efficiency Drag: Bottom 47.3% in tier
- - Return on Assets 0.96% below tier average
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+3.7% YoY
+0.1% QoQ
|
+$179.4M |
$2.8B
-0.1% YoY
|
$977.6M
+5.3% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$2.4B
+2.3% YoY
-0.5% QoQ
|
+$483.9M |
$2.0B
+0.6% YoY
|
$770.5M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$2.7B
+3.7% YoY
+0.0% QoQ
|
+$320.0M |
$2.3B
-0.3% YoY
|
$822.1M
+5.6% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
0.41%
+15.9% YoY
-21.0% QoQ
|
-0.96% |
1.37%
+19.6% YoY
|
2.50%
+26.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.6% in tier |
| Net Interest Margin ? |
3.19%
+14.0% YoY
+7.5% QoQ
|
-0.63% |
3.82%
+6.9% YoY
|
3.31%
+10.6% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
87.06%
-0.2% YoY
+5.5% QoQ
|
+26.00% |
61.06%
-4.6% YoY
|
72.72%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
0.11%
+12.8% YoY
+17.9% QoQ
|
-0.78% |
0.89%
+14.1% YoY
|
0.86%
+40.0% YoY
|
0.95%
+18.8% YoY
|
Top 12.2% in tier |
| Loan-to-Deposit Ratio ? |
91.94%
-1.4% YoY
-0.5% QoQ
|
+7.74% |
84.20%
+0.3% YoY
|
86.08%
-1.1% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
12.97%
-8.6% YoY
-5.6% QoQ
|
-8.32% |
21.29%
-2.5% YoY
|
13.95%
-6.5% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.09%
-2.6% YoY
+17.2% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.71%
+38.7% YoY
|
0.67%
+19.3% YoY
|
Top 12.9% in tier |
| Tier 1 Capital Ratio ? |
11.99%
+1.5% YoY
+0.2% QoQ
|
-3.17% |
15.16%
+2.0% YoY
|
18.81%
-1.3% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.15%
-18.2% YoY
-78.5% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
1.05%
+15.4% YoY
|
0.32%
+4.1% YoY
|
54% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.