Boston Trust Walden National Association

Boston, MA · Cert 18342

FDIC · 1 branch

Q2 2026

$96.6MAssets

$40KLoans

$0KDeposits

$65.3MEquity

Loan mix

Deposit mix

NIM

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

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 (quarter, annualized)

34.10%-384 bps YoY

Net Interest Margin (quarter, annualized)

1.65%+37 bps YoY

Efficiency Ratio (quarter, annualized)

61.52%+415 bps YoY

Tier 1 Leverage Ratio

64.46%+2,593 bps YoY

Discrete quarter, annualized.

Metric	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	37.93%	32.17%	31.76%	29.26%	34.10%	-384 bps
Return on Equity	58.18%	52.58%	54.34%	45.53%	50.45%	-773 bps
Net Interest Margin	1.28%	1.40%	1.89%	1.92%	1.65%	+37 bps
Efficiency Ratio	57.37%	61.95%	60.62%	63.06%	61.52%	+415 bps
Non-Interest Burden	-49.90%	-41.47%	-40.60%	-34.35%	n/a	n/a
Growth
Asset Growth (YoY)	-1.88%	-2.08%	-1.42%	3.72%	27.14%	+2,902 bps
Loan Growth (YoY)	0.00%	0.00%	0.00%	0.00%	-20.00%	-2,000 bps
Deposit Growth (YoY)	0.00%	0.00%	-100.00%	-100.00%	-100.00%	-10,000 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	12.00%	12.00%	12.00%	8.00%	7.50%	-450 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	38.54%	51.72%	40.23%	55.03%	64.46%	+2,593 bps
Total Risk-Based Capital	47.46%	63.82%	57.45%	87.98%	89.33%	+4,187 bps
Equity / Assets	61.29%	61.11%	55.88%	73.17%	67.58%	+629 bps
Liquidity & Funding
Loans / Deposits	10.00%	10.00%	n/a	n/a	n/a	n/a
Liquid Assets / Assets	3.51%	2.97%	2.86%	2.84%	0.00%	-351 bps
CRE / Total Capital	n/a	n/a	0.00%	0.00%	n/a	n/a