85% 50% 240K 2.3M 900K 89% 160K 11.1M

2025 Impact Report

As a bank established in 1899 to help our communities and customers and as a Certified B Corporation®, we know that together we can make a difference.

Please click on the petals of our logo to explore the stories behind the numbers.

85% Participation

85% of team members participated in the annual employee engagement survey.

50% Women

50% of our outside Board members are women.

$240,000 to Education

Over $240,000 was donated to projects that have a positive influence on the next generations.

$2.3 Million Donated

$2.3 million was donated by the Bank and the Foundation in 2025.

$900,000 in grant funding

Over $900,000 in grant funding was secured to help homebuyers.

89% Feel Someone Cares

89% of our team members feel their manager or someone at work cares about them as a person.

$160,000 for the Arts

Over $160,000 was contributed by the Bank last year to support the Arts.

$11.1 Million Donated

$11.1 million has been donated by the Bank and the Foundation in the last 5 years.

White man standing in doorway

Coming Home

In 2025, Mascoma Bank secured $941,750 in grant funds. For many families and individuals, that’s what made it possible to buy a home.

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In 2025, Mascoma Bank secured $941,750 in grant funds. For many families and individuals, that’s what made it possible to buy a home.

Learn More

Making it Possible to Live Where You Work

When local workers are priced out of housing, the whole community suffers. Mascoma Bank and Local Deeds strive to keep that from happening.

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Strengthening Our Community Through the Volunteer Time Off Program

As a community bank, Mascoma attracts team members who thrive on giving back. The bank wants to make that even easier to do with the Volunteer Time Off program, which allows each full-time employee to use 16 paid hours every year to contribute in a way that’s meaningful to them.

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Mascoma Community Development

2014

$55,000,000

2015–16

$50,000,000

2017–19

$65,000,000

2020

$60,000,000

2021

$55,000,000

2022

$50,000,000

2023

$60,000,000

2024-25

$85,000,000

NMTC Total Allocation

$0

Since our first New Markets Tax Credit (NMTC) allocation in 2014, Mascoma Community Development has been part of every successive round of federal allocations. We are proud of the confidence the government and regulators have in our work, and we continue to utilize this important funding source to improve communities both in northern New England and across the country.

wave wave wave

Launching Mascoma Technologies is an exciting step because it allows us to commercialize the software we developed for our own purposes. Once we developed these solutions as part of our own tech transformation, we received requests from other financial institutions to purchase it.

—Clay Adams, President and CEO of Mascoma Bank

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Retail
Lending

In 2025, we began to see some loosening of impediments within the housing market, resulting in a modest uptick in real estate transactions in most of our market areas. Interest rates declined a bit in the later part of the year, and throughout the year, most areas saw an increase in listings, providing some additional opportunities for buyers.

Home Loans

2025

$

178353434

2024

$

163226000

First Mortgages

2025

476

2024

436

Refinances

2025

100

2024

78

Commercial Lending

Throughout 2025, we witnessed a strengthening in commercial loan demand, given both a moderation in borrowing rates and our customers’ desires to grow and expand. With $249 million in new loans, by the end of the year, the bank’s total commercial loan portfolio had grown by 2.9%.

$283
million

2022

$296
million

2023

$143
million

2024

$249
million

2025

Fighting Fraud with Personal Connections

Mascoma Bank understands that the fight against fraud is waged through the use of sophisticated technology and, just as important, a frontline team that is adept at making personal connections and initiating crucial conversations.

In 2024, the United States had a total cost of losses due to fraud of $36.5 billion. See how Mascoma Bank is stepping up to help.

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Impact report

Every three years, Certified B Corporations go through the extensive B Lab Assessment and verification process. The assessment measures our impact on our workers, communities, customers, and the environment. Our B Corp status helps Mascoma Bank make a positive impact where we operate and to “use business as a force for good.” Here are some of our accomplishments in 2025 and plans for 2026.

If you have any questions about Mascoma Bank or this report, I encourage you to contact me at 603-443-8643 or Samantha.Pause@MascomaBank.com

—Samantha Pause, Mascoma Bank Benefit Officer

Certified Since June 2017
Company Score
ENVIRONMENT8
WORKERS34
CUSTOMERS17
COMMUNITY36
GOVERNANCE20
OVERALL RATING115

COMMUNITY
2025

We strove to better serve our communities through new and continuing initiatives.

We awarded $450,000 to nonprofit organizations for capital campaign projects.

We became members of the Global Alliance for Banking on Values, a network of independent banks using finance to deliver sustainable economic, social, and environmental development.

We provided 31 financial education sessions to community members.

Bank team members used 1,936 hours of Volunteer Time Off to support causes important to them.

TEAM
2025

Special initiatives and milestones helped us focus on making life better for our team members.

We recognized employee excellence through 446 B‑Amazing awards, which celebrate outstanding performance and contributions across the organization.

The Matching Gifts Program matched $17,792 of employee donations.

Our employee engagement score improved to 4.24 out of 5.00.

156 team members participated in the Volunteer Time Off program.

CUSTOMER
2025

New products and services helped our customers navigate their financial lives.

We launched a customized product package to meet the unique financial needs of nonprofit organizations.

Build Savings, a high-yield savings account, helps people without emergency savings build a financial safety net.

Our Accessory Dwelling Unit (ADU) lending product expands homeowners’ financing options and supports local housing supply.

We developed and deployed emergency lending solutions, including Government Shutdown and Flood Loans, providing critical financial support to customers during crisis situations.

INITIATIVES FOR
2026

Establish a framework to assess customer financial wellness by creating a system to determine and track Financial Wellness Scores.

Participate in Global Alliance for Banking on Values Leadership and Governance academies.

Drive improvements in technology infrastructure and digital services to deliver faster, more intuitive, and more accessible experiences for the communities we serve.

Transition customers to Visa debit cards to enhance their experience with stronger security protections, broad global acceptance, and fast, convenient ways to pay both in-store and online.

CORPORATORS

SENIOR
LEADERSHIP

BOARD

729,000,000

Assets Under Management at MWM and MFA

“The roots of everything we do at MWM grow from personalized and comprehensive financial planning.”

As a full‑service wealth management organization with a depth of expertise—and as part of a mission-driven mutual bank structured as a Benefit Corporation—the Wealth Management Department at Mascoma Bank occupies a distinctive place in our region’s financial landscape.

“Our unique combination of deep wealth management expertise and purpose-driven mission sets our team apart from competitors in Northern New England,” said Zuzana Brochu, President of Mascoma Wealth Management.

The integration of these two core elements is what defines the strength and distinctiveness of Mascoma’s Wealth Management Department.

 

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FY 2025 FINANCIALS