Mascoma Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Mascoma Bank (FDIC Cert #18013) registers 86/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Mascoma Bank runs a compact, regionally concentrated real-estate lending footprint — 8 U.S. counties across 2 states, spanning 212 ZIP codes. Its heaviest exposure sits in New Hampshire (5 counties), Vermont (3 counties). Mascoma Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. DLRadar does not model Mascoma Bank in isolation: the 212-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 8 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because Mascoma Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 86/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. The combination of a severe reading and a compact footprint is what makes Mascoma Bank worth watching as a supply signal. Because Mascoma Bank is held under Mascoma Mutual Finl Services, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Mascoma Bank finances markets like Windsor County, VT, Grafton County, NH, Orange County, VT, Merrimack County, NH — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when Mascoma Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.