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Savings Bank of Walpole

Walpole, NH · Cert 18030 · New Hampshire Mutual Bcorp

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Savings Bank of Walpole

Walpole, NH · Cert 18030 · New Hampshire Mutual Bcorp

SI · FDIC · 2 affiliate banks · 7 branches (31 in holding)

Q2 2026

$857.9MAssets
$641.7MLoans
$784.5MDeposits
$66.0MEquity
Loan mix
77%RE $479.4M6%C&I $39.9M16%Consumer $99.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $678.8M13%Noninterest $105.8MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.57%Q2 ’254.76%Q2 ’26+9%+9%

Non-interest income vs. expense

2.72%Q2 ’242.91%Q2 ’253.06%Q2 ’26+9%+6%

Executive Summary

  • Earnings: ROA of 0.85%, up 14 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.26% of loans (+3 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 8.66%, up 19 bps from a year ago.
  • Funding: loans stand at 81.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+32 bps YoY

Efficiency Ratio (YTD, annualized)

72.53%-228 bps YoY

Tier 1 Leverage Ratio

8.66%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.75%0.78%0.79%0.85%+14 bps
Return on Equity10.16%10.52%10.78%10.46%11.20%+105 bps
Net Interest Margin3.48%3.53%3.51%3.77%3.80%+32 bps
Efficiency Ratio74.81%74.17%72.88%73.84%72.53%-228 bps
Non-Interest Burden2.50%2.51%2.44%2.67%2.64%+14 bps
Growth
Asset Growth (YoY)5.35%3.13%7.84%6.01%6.46%+111 bps
Loan Growth (YoY)1.46%3.55%2.90%4.32%6.65%+519 bps
Deposit Growth (YoY)8.13%6.09%6.95%5.44%6.26%-188 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.27%0.55%0.53%0.26%+3 bps
Net Charge-Offs / Loans0.03%0.06%0.12%0.00%-0.06%-9 bps
Allowance / Loans1.00%0.97%0.97%0.97%0.99%-1 bps
Allowance Coverage of NPLs4.3x3.7x1.8x1.8x3.8x-0.5x
Capital
Tier 1 Leverage Ratio8.47%8.54%8.51%8.63%8.66%+19 bps
Total Risk-Based Capital14.14%14.34%14.81%14.75%14.62%+48 bps
Equity / Assets7.26%7.47%7.56%7.59%7.69%+44 bps
Liquidity & Funding
Loans / Deposits81.50%81.23%79.29%79.69%81.80%+30 bps
Liquid Assets / Assets2.71%6.21%8.45%7.03%4.40%+169 bps
CRE / Total Capitaln/a242%238%244%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Savings Bank of Walpole

Walpole, NH · Cert 18030 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · New Hampshire Mutual Bcorp

SI · FDIC · 2 affiliate banks · 7 branches (31 in holding)

Q2 2026

$857.9MAssets
$641.7MLoans
$784.5MDeposits
$66.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 62% of banks under $1B in assets operating in a single state (rank 285 of 743).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets operating in a single state (rank 666 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.84%

Rank 490 of 746

Net Interest Margin

3.80%

Rank 328 of 746

Efficiency Ratio

72.53%

Rank 517 of 746

Equity / Assets

7.69%

Rank 666 of 746

Non-interest income vs. expense

$3.6M$26.5MINCOMEEXPENSE
Unfavorable gap of $22.9M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 72.53%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.72%1.06%1.45%Beats 34%490 / 746
Return on Equity10.97%6.74%10.51%13.63%Beats 54%340 / 746
Net Interest Margin3.80%3.17%3.68%4.16%Beats 56%328 / 746
Efficiency Ratio72.53%55.74%64.58%75.47%Beats 31%517 / 746
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.07%Beats 62%285 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 46%400 / 743
Capital
Tier 1 Capital Ratio13.42%11.55%13.75%17.60%Beats 46%404 / 746
Total Risk-Based Capital Ratio14.62%11.71%14.33%18.43%Beats 52%360 / 746
Equity / Assets7.69%8.90%10.51%13.06%Beats 11%666 / 746
Liquidity & Funding
Loans / Deposits81.80%61.31%78.27%90.78%57th pctl320 / 746
Loans / Assets74.80%53.60%66.97%76.08%71st pctl220 / 746
Brokered Deposits / Depositsn/aNot reported for this institution