Mascoma Bank (FDIC #18013): Bank Stress & Real-Estate Credit Exposure
Mascoma Bank (FDIC Cert #18013): bank stress 86/100, severe, STABLE over 7 days; parent MASCOMA MUTUAL FINL SERVICES.
Mascoma Bank (#18013) lends in 8 counties across 2 states; Mascoma Bank (#18013) reaches 212 ZIP codes: New Hampshire 5 counties, 124 ZIPs; Vermont 3 counties, 88 ZIPs.
Mascoma Bank (#18013) largest markets: Windsor County, VT (312 branches, 39 ZIPs) (#18013), Grafton County, NH (296 branches, 37 ZIPs) (#18013), Orange County, VT (62 branches, 31 ZIPs) (#18013), Merrimack County, NH (31 branches, 31 ZIPs) (#18013), Cheshire County, NH (54 branches, 27 ZIPs) (#18013), Chittenden County, VT (63 branches, 21 ZIPs) (#18013).
Mascoma Bank (#18013) reports $3.03 billion in total assets; Mascoma Bank (#18013) equity $258.1 million (8.5% of Mascoma Bank (#18013) assets); Mascoma Bank (#18013) domestic deposits $2.62 billion; Mascoma Bank (#18013) net income $7.5 million; Mascoma Bank (#18013) return on assets 0.50%; Mascoma Bank (#18013) return on equity 5.86%; Mascoma Bank (#18013) net interest income $46.2 million; Mascoma Bank (#18013) call report June 30, 2026.
Mascoma Bank (#18013) noncurrent real-estate loans: none reported; Mascoma Bank (#18013) net charge-offs on real estate 0.14%; Mascoma Bank (#18013) residential charge-offs 0.18%.
Mascoma Bank (#18013) net interest margin 3.23% against an eight-quarter Mascoma Bank (#18013) average of 2.86% (Mascoma Bank (#18013) compression -0.38 points); Mascoma Bank (#18013) real-estate loans 0.1% of equity; Mascoma Bank (#18013) non-residential real estate 18.4% of equity; Mascoma Bank (#18013) rate-exposure score 40/100, Mascoma Bank (#18013) fixed-rate trap 40/100; Mascoma Bank (#18013) risk type credit driven; Mascoma Bank (#18013) rate regime rates elevated, Mascoma Bank (#18013) snapshot October 19, 2026.
Mascoma Bank (#18013) stress score moved from 86 on June 22, 2026 to 85.8 on October 19, 2026; Mascoma Bank (#18013) ranged 85.8 to 86 over 116 snapshots.
Mascoma Bank (#18013) alerts: 8 counties; top Mascoma Bank (#18013) alert scores: Claremont County, NH 29 (low); Lancaster County, NH 29 (low); New London County, NH 29 (low); South Burlington County, NH 29 (low); South Strafford County, NH 29 (low).