MASCOMA BANK

FDIC #18013 · NH · period 20260630

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Total assets1,419,866-10.57% YoY

Total deposits1,167,583-6.17% YoY

Net loans and leases1,161,160-10.02% YoY

Return on assets0.50%-2.64% YoY

Return on equity5.09%-8.12% YoY

Net interest margin3.51%+1.43% YoY

Peer position

Return on assets9thopportunity · n=902

Return on equity12thopportunity · n=894

Net interest margin23rdopportunity · n=902

Equity to assets13thopportunity · n=894

Noncurrent loans83rdstrength · n=887

Liquid assets17thopportunity · n=895

Brokered deposits65thin line · n=890

Loans to deposits27thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,419,866	1,167,583	1,161,160	0.50	5.09	3.51
2016-06-30	1,453,929	1,200,181	1,194,231	0.53	5.40	3.52
2016-09-30	1,476,052	1,214,637	1,216,627	0.54	5.56	3.50
2016-12-31	1,549,407	1,233,067	1,254,450	0.54	5.64	3.53
2017-03-31	1,587,618	1,244,337	1,290,436	0.51	5.54	3.46
2017-06-30	1,611,515	1,266,117	1,308,457	0.62	6.71	3.47
2017-09-30	1,634,844	1,298,725	1,344,349	0.66	7.13	3.49
2017-12-31	1,684,412	1,375,590	1,378,322	0.50	5.46	3.50
2018-03-31	1,702,777	1,364,330	1,404,244	0.76	8.40	3.46
2018-06-30	1,697,194	1,390,260	1,405,984	0.76	8.39	3.46
2018-09-30	1,737,078	1,458,794	1,450,567	0.76	8.43	3.49
2018-12-31	1,765,651	1,517,461	1,471,781	0.74	8.17	3.51
2019-03-31	1,790,854	1,541,077	1,495,292	0.71	7.53	3.42
2019-06-30	1,868,510	1,591,792	1,550,051	0.67	7.17	3.42
2019-09-30	1,883,987	1,610,773	1,584,354	0.71	7.52	3.45
2019-12-31	1,935,588	1,668,246	1,624,105	0.71	7.59	3.45
2020-03-31	1,939,205	1,645,437	1,642,295	0.69	7.29	3.41
2020-06-30	2,154,572	1,904,650	1,825,641	0.64	6.86	3.40
2020-09-30	2,226,587	1,966,884	1,859,988	0.69	7.51	3.38
2020-12-31	2,390,697	2,113,676	1,844,192	0.77	8.42	3.40
2021-03-31	2,436,430	2,156,969	1,872,898	0.92	10.51	3.37
2021-06-30	2,521,682	2,191,396	1,885,778	0.88	10.02	3.28
2021-09-30	2,546,655	2,238,343	1,886,246	0.88	9.95	3.29
2021-12-31	2,644,953	2,339,291	1,870,791	0.85	9.72	3.24
2022-03-31	2,600,482	2,300,252	1,912,027	0.73	8.73	3.00
2022-06-30	2,601,325	2,273,331	2,000,239	0.73	9.07	3.10
2022-09-30	2,685,566	2,352,806	2,095,543	0.68	8.57	3.16
2022-12-31	2,733,504	2,369,151	2,150,741	0.71	9.11	3.18
2023-03-31	2,733,301	2,369,188	2,187,281	0.44	5.87	2.98
2023-06-30	2,835,749	2,403,310	2,245,221	0.46	6.10	2.84
2023-09-30	2,857,828	2,426,366	2,324,826	0.46	6.10	2.79
2023-12-31	2,931,539	2,493,477	2,357,750	0.39	5.28	2.73
2024-03-31	2,943,126	2,511,525	2,370,272	0.26	3.50	2.47
2024-06-30	2,913,389	2,458,436	2,391,651	0.22	2.95	2.42
2024-09-30	2,889,853	2,534,229	2,376,792	0.25	3.29	2.45
2024-12-31	2,917,813	2,614,357	2,415,094	0.22	2.90	2.50
2025-03-31	2,886,966	2,567,945	2,394,181	0.35	4.43	2.79
2025-06-30	2,896,306	2,573,471	2,405,533	0.34	4.20	2.84
2025-09-30	2,976,402	2,643,389	2,430,439	0.43	5.32	2.88
2025-12-31	2,991,929	2,662,315	2,461,004	0.52	6.36	2.96
2026-03-31	2,995,084	2,663,327	2,448,735	0.41	4.84	3.19
2026-06-30	3,034,815	2,617,488	2,489,008	0.50	5.86	3.23

Structure and branch footprint

26 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2014-08-16	1	40707	268006

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.