Mascoma Savings Bank

263 Maple Street
White River Junction, VT 05001
888-627-2662
www.mascomabank.com

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Mascoma Savings Bank is headquartered in Lebanon and is the 3^rd largest bank in the state of New Hampshire. It is also the 656^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 241 employees at 18 locations. Mascoma Savings Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Mascoma Savings Bank Routing Number: 211770213

2.50% Reward Checking Account at Mascoma Savings Bank in NH & VT - Local Only - 8/20/2009

Update 9/07/09: The top rate has fallen to 2.50% APY.Mascoma Savings Bank is offering a high yield reward checking account called Free Rewards Checking. It has the following rates and features if certain monthly requirements are met:2.50% APY on...

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See Rates for: Checking | Savings | CD | IRA

Mascoma Savings Bank Checking Account Rates

Apy	Min	Max	Product
1.50%	-	-	Business Checking Earnings Credit
1.40%	-	-	Business NOW Earning Credit
1.01%	-	$50k	Rewards Checking
0.05%	$2k	-	Relationship Gold Plan

Mascoma Savings Bank Savings Account Rates

Apy	Min	Max	Product
1.00%	$100	-	Health Savings Account Checking
0.35%	$250k	-	First-Class Savings
0.10%	-	-	Minor Savings
0.10%	$25k	-	Money Management Savings
0.05%	$100	-	Statement Savings

Mascoma Savings Bank CD Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year CD
1.25%	$500	-	4 Year CD
1.15%	$500	-	3 Year CD
0.90%	$500	-	2 Year CD
0.60%	$500	-	1 1/2 Year CD
0.55%	$1k	-	11 MONTHS CD SPECIAL RGP/RBP/PPC
0.50%	$500	-	1 Year CD PPC/RBG
0.45%	$1k	-	11 MONTHS CD SPECIAL
0.40%	$500	-	1 Year CD
0.35%	$1k	-	6 Month CD
0.35%	$500	-	9 Month CD
0.20%	$5k	-	7 Days CD
0.20%	$2,500	-	3 Month CD

Mascoma Savings Bank IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year IRA
1.25%	$500	-	4 Year IRA
1.15%	$500	-	3 Year IRA
0.90%	$500	-	2 Year IRA
0.65%	$25	-	1 1/2 YR-Variable Rate
0.60%	$500	-	1 1/2 Year IRA
0.55%	$1k	-	11 MONTHS IRA SPECIAL RGP/RBP/PPC
0.45%	$1k	-	11 MONTHS IRA SPECIAL
0.40%	$500	-	1 Year IRA
0.20%	$5k	-	7 Days IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Mascoma Savings Bank
OTS #	13316
FDIC Certificate #	18013
BankRate Report	View
Year Established	1899
Employees	241
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.01 billion
Loans	$761.95 million
Deposits	$732.13 million
Equity Capital	$101.21 million
Loan Loss Allowance	$11.00 million
Unbacked Noncurrent Loans	$5.94 million
Real Estate Owned	$869,000
Historic Data - March 2011
Assets	$965.66 million
Equity Capital	$94.79 million
Loan Loss Allowance	$8.33 million
Unbacked Noncurrent Loans	$4.00 million
Real Estate Owned	$2.39 million
Profit Margin - Quarterly
Net Interest Margin	3.6%
Return on Assets	0.61%
Return on Equity	6.05%
Interest Income	$10.19 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mascoma Savings Bank had $6.81 million in non-current loans and owned real-estate with $112.22 million in equity and loan loss allowances on hand to cover it. This gives Mascoma Savings Bank a Texas Ratio of 6.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Mascoma Savings Bank held steady from 6.41% as of March 31, 2011 to 6.07% as of March 31, 2012, resulting in a positive change of 5.23%.This indicates that the balance sheet and financial strength for Mascoma Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Mascoma Savings Bank has increased its total deposits by $21.72 million, resulting in 3.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mascoma Savings Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mascoma Savings Bank has $1.01 billion in assets with $112.22 million in equity, resulting in a capitalization level of 11.06%, which is above average.