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Boston Trust Walden National Association

Boston, MA · Cert 18342

FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 in the Boston-Cambridge-Newton, MA-NH area (n=29). 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

97

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

Boston Trust Walden National Association

Boston, MA · Cert 18342

FDIC · 1 branch

Q2 2026

$96.6MAssets
$40KLoans
$0KDeposits
$65.3MEquity
Loan mix
0%RE $0K100%C&I $50K0%Consumer $0KQ2 2024Q2 2026
Deposit mix
100%Interest-bearing $00%Noninterest $0Q2 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2025 SOD (annual) · 0.0% share · #99 of 107 inst. · $0.0B of $536.6B

Executive Summary

  • Earnings: ROA of 34.10%, down 384 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 64.46%, up 2,593 bps from a year ago.

Return on Assets (YTD, annualized)

34.10%-384 bps YoY

Net Interest Margin (YTD, annualized)

1.65%+37 bps YoY

Efficiency Ratio (YTD, annualized)

61.52%+415 bps YoY

Tier 1 Leverage Ratio

64.46%+2,593 bps YoY

NIM

0.86%Q1 ’240.82%Q1 ’251.11%Q2 ’26-1%+28%

Non-interest income vs. expense

64.53%Q1 ’2468.25%Q1 ’2562.10%Q2 ’26-14%+24%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q2 2026YoY ΔTrend
Earnings
Return on Assets34.77%35.06%33.77%37.93%34.20%33.41%32.71%34.10%-384 bps
Return on Equity58.01%60.33%56.08%58.18%53.65%54.23%51.14%50.45%-773 bps
Net Interest Margin1.29%1.58%1.51%1.28%1.30%1.38%1.42%1.65%+37 bps
Efficiency Ratio58.68%57.42%59.73%57.37%59.64%59.97%60.74%61.52%+415 bps
Non-Interest Burden-39.95%-40.78%-35.22%-49.90%-44.59%-40.46%-36.99%-37.73%+1,217 bps
Growth
Asset Growth (YoY)7.95%10.19%7.75%-1.88%-2.08%-1.42%3.72%27.14%+2,902 bps
Loan Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%-20.00%-2,000 bps
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%-100.00%-100.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans12.00%12.00%12.00%12.00%12.00%12.00%8.00%7.50%-450 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio42.20%36.23%41.93%38.54%51.72%40.23%55.03%64.46%+2,593 bps
Total Risk-Based Capital59.08%51.44%69.91%47.46%63.82%57.45%87.98%89.33%+4,187 bps
Equity / Assets58.47%53.31%68.70%61.29%61.11%55.88%73.17%67.58%+629 bps
Liquidity & Funding
Loans / Deposits10.00%10.00%10.00%10.00%10.00%n/an/an/an/a
Liquid Assets / Assets2.80%2.82%3.14%3.51%2.97%2.86%2.84%0.00%-351 bps
CRE / Total Capitaln/an/an/an/an/a0.00%0.00%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

Boston Trust Walden National Association

Boston, MA · Cert 18342 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=29)

FDIC · 1 branch

Q2 2026

$96.6MAssets
$40KLoans
$0KDeposits
$65.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 29).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 29).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

27.11%

Rank 1 of 29

Net Interest Margin

1.65%

Rank 27 of 29

Efficiency Ratio

61.52%

Rank 2 of 29

Equity / Assets

67.58%

Rank 1 of 29

Non-interest income vs. expense

$85.7M$53.3MINCOMEEXPENSE
Favorable gap of $32.4M · efficiency ratio beats 97% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 61.52%Peer median 84.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets27.11%0.23%0.39%0.50%Beats 97%1 / 29
Return on Equity40.11%2.29%3.46%5.78%Beats 97%1 / 29
Net Interest Margin1.65%2.42%2.71%3.01%Beats 7%27 / 29
Efficiency Ratio61.52%78.96%84.14%93.09%Beats 97%2 / 29
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.13%0.43%Beats 100%6 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio89.32%11.54%13.48%16.99%Beats 97%1 / 29
Total Risk-Based Capital Ratio89.33%11.54%14.44%17.87%Beats 97%1 / 29
Equity / Assets67.58%8.70%9.70%11.05%Beats 97%1 / 29
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.04%69.12%73.70%81.02%0th pctl29 / 29
Brokered Deposits / Depositsn/aNot reported for this institution