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
Unfavorable gap of $22.9M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 490 / 746 | | |
| Return on Equity | 10.97% | 6.74% | 10.51% | 13.63% | Beats 54% | 340 / 746 | | |
| Net Interest Margin | 3.80% | 3.17% | 3.68% | 4.16% | Beats 56% | 328 / 746 | | |
| Efficiency Ratio | 72.53% | 55.74% | 64.58% | 75.47% | Beats 31% | 517 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 285 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 400 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.42% | 11.55% | 13.75% | 17.60% | Beats 46% | 404 / 746 | | |
| Total Risk-Based Capital Ratio | 14.62% | 11.71% | 14.33% | 18.43% | Beats 52% | 360 / 746 | | |
| Equity / Assets | 7.69% | 8.90% | 10.51% | 13.06% | Beats 11% | 666 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.80% | 61.31% | 78.27% | 90.78% | 57th pctl | 320 / 746 | | |
| Loans / Assets | 74.80% | 53.60% | 66.97% | 76.08% | 71st pctl | 220 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |