Case Study: Mascoma Bank achieves 400% increase in online account applications with nCino Bank Operating System

How nCino helped a community bank reach a new target market and achieve its digital transformation

Mascoma Bank, a Certified B Corporation with a century-long history, set out to attract a younger, tech-savvy customer base and reduce paper‑heavy, time‑consuming processes. After opening a modern branch in Burlington and recognizing its existing digital account opening was inadequate, the bank sought to simplify onboarding for customers and bankers while supporting a broader digital transformation.

Mascoma implemented the cloud‑based nCino Bank Operating System to integrate with its core, enable online deposit account opening, auto decisioning and faster loan booking, and eliminate redundant manual work. The results were rapid and measurable: online applications rose 400% in two months, more accounts were opened in the three days after go‑live than the prior app generated in 18 months, customers receive account numbers immediately, and the platform provides a scalable foundation for future retail and commercial offerings.

Mascoma Bank

Raphael Reznek

Chief Information Officer