Bank · FDIC insured
Mascoma Bank
A $3B bank, the 417th largest of 4,207, headquartered in Lebanon, NH, with 26 branches in 2 states. Best rates: CDs 4.00% and savings 0.75% APY.
Mascoma Bank Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#3 of 17 in Lebanon, NH-VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Mascoma Bank
Established in 1899 to help its communities and customers rather than benefit investors, Mascoma Bank serves New Hampshire and Vermont.
The institution operates under ClearNorth Financial Mutual Holding Company alongside Androscoggin Bank.
Mascoma Bank is a Certified B Corporation and is BankOn Certified by the Cities for Financial Empowerment Fund.
- Headquarters
- 67 N Park St, Lebanon, NH 03766
- FDIC certificate
- 18013 ↗
Branches
26 branches in 2 states
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New Hampshire
13 branches
Lebanon area · 9
- Mascoma BankMain office67 N Park St, Lebanon, NH 03766Directions
- Bethlehem Branch2212 Main St, Bethlehem, NH 03574Directions
- Canaan Branch1151 Us Route 4, Canaan, NH 03741Directions
- Claremont Branch137 Broad St, Claremont, NH 03743Directions
- Enfield Branch13 Main St, Enfield, NH 03748Directions
- Hanover Galleria Branch80 S Main St, Hanover, NH 03755Directions
- Littleton, N. H./Branch8 Main St, Littleton, NH 03561Directions
- Lyme Branch1 Main St, Lyme, NH 03768Directions
- West Lebanon Branch70 Main St, West Lebanon, NH 03784Directions
Keene area · 2
- West Street Branch255 West St, Keene, NH 03431Directions
- Walpole Branch53 Main St, Walpole, NH 03608Directions
Lancaster area · 1
- Lancaster Branch235 Main St, Lancaster, NH 03584Directions
Concord area · 1
- New London Shopping Center Branch47 Newport Rd, New London, NH 03257Directions
Vermont
13 branches
Lebanon area · 10
- Bethel Branch37 Main St, Bethel, VT 05032Directions
- Main & Vershire Branch292 Vt Rte 110, Chelsea, VT 05038Directions
- Hartland Branch7 Route 12, Hartland, VT 05048Directions
- Norwich Branch303 Main St, Norwich, VT 05055Directions
- Strafford-Coburns' Branch216 Vermont Route 132, South Strafford, VT 05070Directions
- Springfield Branch270 River St, Springfield, VT 05156Directions
- Maple Street Branch31 Maple St, White River Junction, VT 05001Directions
- Sykes Avenue Branch243 Sykes Avenue, White River Junction, VT 05001Directions
- Windsor Branch105 Main St, Windsor, VT 05089Directions
- Woodstock Branch448 Woodstock Rd, Woodstock, VT 05091Directions
Burlington area · 3
- Burlington Old North End242 N Winooski Ave, Burlington, VT 05401Directions
- Burlington Pine St431 Pine St, Burlington, VT 05401Directions
- Burlington Shelburne Rd1185 Shelburne Rd, South Burlington, VT 05403Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.09% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.15% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.50% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio9.09%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.50%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Mascoma Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.