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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 $99.5MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $678.8M13%Noninterest $105.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.71%0.65%0.72%0.75%0.78%0.79%0.85%+14 bps
Return on Equity10.43%10.52%9.26%10.16%10.52%10.78%10.46%11.20%+105 bps
Net Interest Margin3.17%3.19%3.45%3.48%3.53%3.51%3.77%3.80%+32 bps
Efficiency Ratio74.79%74.59%76.22%74.81%74.17%72.88%73.84%72.53%-228 bps
Non-Interest Burden2.26%2.27%2.54%2.50%2.51%2.44%2.67%2.64%+14 bps
Growth
Asset Growth (YoY)8.18%6.89%5.30%5.35%3.13%7.84%6.01%6.46%+111 bps
Loan Growth (YoY)-0.53%0.51%2.99%1.46%3.55%2.90%4.32%6.65%+519 bps
Deposit Growth (YoY)7.14%8.60%8.45%8.13%6.09%6.95%5.44%6.26%-188 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.34%0.31%0.23%0.27%0.55%0.53%0.26%+3 bps
Net Charge-Offs / Loans0.03%0.02%0.05%0.03%0.06%0.12%0.00%-0.06%-9 bps
Allowance / Loans0.99%0.99%1.00%1.00%0.97%0.97%0.97%0.99%-1 bps
Allowance Coverage of NPLs3.0x2.9x3.2x4.3x3.7x1.8x1.8x3.8x-0.5x
Capital
Tier 1 Leverage Ratio8.23%8.31%8.45%8.47%8.54%8.51%8.63%8.66%+19 bps
Total Risk-Based Capital13.67%14.00%14.17%14.14%14.34%14.81%14.75%14.62%+48 bps
Equity / Assets6.89%6.90%7.06%7.26%7.47%7.56%7.59%7.69%+44 bps
Liquidity & Funding
Loans / Deposits83.22%82.41%80.54%81.50%81.23%79.29%79.69%81.80%+30 bps
Liquid Assets / Assets2.50%2.66%6.47%2.71%6.21%8.45%7.03%4.40%+169 bps
CRE / Total Capitaln/an/an/an/a242%238%244%n/an/a