Using Business as a Force for Good in Maine - Mascoma Bank

Using Business as a Force for Good

Lighthouse on rock bluff

At Mascoma Bank, you will find bankers and development professionals dedicated to you, your business, and the state of Maine. From lines of credit, equipment loans, construction loans, and commercial mortgages to New Markets Tax Credit, Historic Tax Credit, and Low-Income Tax Credit financing, we know how to help you make a positive impact. We opened our Portland, Maine, office in the summer of 2018 and we look forward to continuing to work with you to make Maine, New England, and the world a better place.

Commercial Lending

Did you know Mascoma Bank has already provided over $100 million in funds to help Maine businesses grow? We work with you to create a package of banking services that best helps your business grow and flourish.

Large Solar farm with cows in the field and farmhouse strutures
Photo credit ACC. Developer/EPC by ReVision Energy

Creating more clean energy and making it accessible to Mainers is something Mascoma Bank is proud to be part of. The completed Souther Farms Solar project in Livermore, Maine, will create clean energy options for six schools and municipal districts.

We’re pleased to have partnered with Coastal Enterprises, Inc, to assist with financing for this environmentally sustainable community project and provide Aligned Climate Capital with solar project construction financing. It’s a pleasure to make it happen alongside innovators like fellow B Corp ReVision Energy, which served as developer and general contractor as they celebrate their 20th anniversary.

Commercial Lending Team Members

Todd Bachelder

Todd Bachelder

Todd Bachelder joined the team at Mascoma Bank in 2018, bringing decades of both banking and business experience. Todd’s financial work has included traditional bank financing as well as tax-exempt bond, subordinated debt, grant, recapitalization, and start-up financings. In various C-level and consulting capacities, he has worked with for-profit and non-profit organizations in Maine, New Hampshire, and Massachusetts, as well as with companies in Germany and Canada. Learn more about Todd.

Amberlynn Esperenza

Amberlynn Esperanza

Amberlynn Esperanza came to Mascoma Bank in 2022 as an Assistant Vice President, Commercial Lending Development Officer in Portland, Maine. During her many years of banking, Amberlynn has honed her skills in creating a network of connections to ensure customers get the services that best meet their needs. Amberlynn appreciates that Mascoma Bank supports its employees as they work to give back to their communities and reinforces this commitment with its status as a Certified B Corporation. Learn more about Amberlynn.

Tad Atwll with a button up shirt and black blazer

Tad Atwell

Tad Atwell, Mascoma Bank Senior Vice President, serves as the Chief Operating Officer for Mascoma Community Development. With more than 25 years of experience in financial services, Tad has developed expertise in financing projects that utilize key federal tax credit programs including New Markets Tax Credits, Historic Tax Credits, and Low-Income Housing Tax Credits. Learn more about Tad.

Andrew Cook

Andrew Cook brings 14 years’ experience in financial services to his role as Senior Vice President, Maine Market Manager in Portland, Maine. Andrew was drawn to Mascoma Bank because of the culture and the company’s unique approach to banking and community building. He is excited to continue working in Maine for Mainers while supporting the community through philanthropy and volunteerism. Learn more about Andrew.

Ryan Bishop head shot

Ryan Bishop

Ryan Bishop brings more than 20 years of commercial banking and real estate experience to his role of Senior Vice President, Managing Director of Mascoma Community Development. His diversified experience in credit administration, asset quality and portfolio management, risk, lending, and commercial property sales and leasing gives him a unique perspective and approach. Learn more about Ryan.

Garret White

Garrett White

Garrett White works as a Real Estate Management Analyst for Mascoma Bank, facilitating and reviewing real estate collateral valuations and environmental reports in support of the Bank’s commercial lending activities. Garrett brings years of experience to this role, gained from working alongside the construction management division of a multifamily investment group and overseeing the administrative workflow surrounding all capital expenditures, construction contracts, and project cost forecasts across the portfolio.

“They are an independent bank, able to make decisions quickly.”

“Mascoma Bank is here to help.”

Mortgage Lending

For more than 120 years, Mascoma Bank has been meeting the mortgage needs of the people in New Hampshire and Vermont. We combine the latest technology with outstanding personal service. Your home is your most important investment. Be sure you finance it with local experts who know the community and are dedicated to your needs.

Kaleigh Deering

Kaleigh Deering joined Mascoma Bank with a decade and half of residential lending experience. Her favorite part of the job is meeting potential homeowners, hearing their unique stories, and helping clients navigate the path toward owning a new home. Everyone has slightly different personal needs and histories, and understanding those differences is the key.

NMLS #518288

Kaleigh Deering smiling at camera wearing a fuchsia blouse and blaze blazer

Top 10 reasons to use a community bank for your mortgage needs:

The people on the other side of the desk might be your new neighbors.

Have a question? A real person within your local branch will answer your phone call.

Need a recommendation? We know where to go for excellent service.

We consider the people behind the loan application, not just the numbers on the form.

We serve coffee at our offices. And sometimes cookies.

We combine world-class knowledge with local know-how.

We work and live in the regions we serve, so we know what we’re talking about.

You’ll eventually find us next to you volunteering at a local nonprofit organization in your town.

We pay attention to the social welfare of people and their pets.

We love our jobs and we want you to love how we do our jobs.

Private Banking

Private Banking at Mascoma Bank starts with what we have always been known for: putting our customers first, understanding the big picture, and providing the right tools to meet every goal. Private Banking blends these ideals together with a level of expertise and coordination that helps today’s professionals navigate increasingly complex financial needs.

portrait of David Carter

David Carter

David Carter brings over 25 years’ experience to the Private Banking team at Mascoma Bank. He is the single point of contact for professionals, including professional practice owners, developing financial solutions for both business and family. From complex commercial real estate and practice financing to consumer loans and mortgages, David has a proven track record of delivering the type of individualized client service and advice that Mascoma clients expect.

NMLS# 529558

Learn more about David.

Treasury and Business Services

Treasury and Business Services focuses on developing meaningful and lasting relationships with commercial and municipal clients, assisting them with their overall treasury and cash management strategies. By deploying Mascoma Bank’s robust suite of products and delivery options, clients are able to customize how they manage their cash flows and can focus on running their businesses or towns without worrying about how or when to get their banking done.

Kelly Dorsey, Certified Treasury Professional

Kelly brings more than 15 years of treasury and cash management experience to her role as Senior Vice President, Treasury and Business Services Manager. She is primarily responsible for growing Mascoma Bank’s deposit portfolio in Maine and Central/Southern New Hampshire.

Kelly has worked in the Maine market for the past decade, owns a small business, and is a graduate of the Maine Development Foundation’s ‘Leadership Maine’ program. Continued commitment to community and innovation have been cornerstones of Kelly’s career and align perfectly with Mascoma Bank’s mission of using business as a force for good.

48 Free Street | Portland, ME 04101
Phone: (207) 504.1010 |

Kelly Dorsey


As one of only two Certified B Corp banks serving the Portland, Maine, region, we are different by design, earmarking 10% of our pre-tax income for philanthropy, and making decisions locally so you know the person you talk to understands where you are coming from and is ready to help. As a Certified B Corp, Mascoma Bank uses business as a force for good to help communities, businesses, and people flourish.

Portland Ovations

Portland Ovations is a performing arts organization in Maine connecting artists and audiences through diverse arts experiences. Mascoma Bank supported the renovation of Portland Ovations’s new, expansive work space including ADA improvements, muralists, signage, and meeting facilitation. The new space will transform into a dynamic gathering space that reflects and amplifies the vibrant arts culture Portland is known for.

Portland Ovations logo


Mascoma Bank is a proud sponsor of ProsperityME’s annual Block Party, which is a celebration of their work and the success of New Mainers who have benefitted from their services. ProsperityME offers financial services, including financial literacy courses, one-on-one financial counseling and coaching, counseling for higher education, small business support, and partners with other organizations in the area of workforce development to refugees, immigrants, asylees, and low-income individuals in Greater Portland and Lewiston/Auburn, Maine.

Prosperity ME logo

Avesta Housing

Avesta Housing is a nonprofit affordable housing provider with 50 years of experience as a leader in affordable housing development and property management in Southern Maine and New Hampshire. Mascoma Bank supports Avesta Housing’s focus on five areas of affordable housing: advocacy, development, property management, assisted living, and homeownership to improve lives and strengthen our communities by promoting and providing quality, affordable homes for people in need.

Avesta Housing logo

Children's Museum & Theatre of Maine

Mascoma Bank is a supporter of the Children’s Museum & Theatre of Maine. The bank was instrumental in the building of a state-of-the-art, 89-seat theatre with additional capacity, a 10,000-square-foot science center, an arts workshop and MakerSpace studio, and dedicated exhibits geared toward infants, toddlers, and children into their teens across Maine and beyond. The Children’s Museum & Theatre offers play-based experiences in STEM (science, technology, engineering and math), arts and culture, performing and visual arts, and early childhood education.

Children's Museum & Theatre of Maine logo

Genesis Community Loan Fund

Mascoma Bank is a supporter of the Genesis Community Loan Fund in its efforts to provide affordable housing and community facilities for low-income and underserved people in the Greater Portland, Maine, area. This fund also included work toward the creation of transitional and permanent affordable housing for people with serious mental illness in Portland, rehabilitation of an assisted living facility for low-income seniors, and restoration of a historic building to house women in recovery from substance use disorders. One project in the greater Portland area included helping to expand a preschool for children with developmental disabilities.

Genesis Community Loan Fund