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Walpole Co-operative Bank

Walpole, MA · Cert 26487

State charter, Fed member · FED · 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=28 to 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

100

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

Walpole Co-operative Bank

Walpole, MA · Cert 26487

State charter, Fed member · FED · 1 branch

Q2 2026

$646.5MAssets
$556.5MLoans
$509.2MDeposits
$122.7MEquity
Loan mix
98%RE $538.0M2%C&I $9.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $461.9M9%Noninterest $47.3MQ2 2025Q2 2026

NIM

4.63%Q2 ’245.13%Q2 ’255.78%Q2 ’26+24%+30%

Non-interest income vs. expense

2.11%Q2 ’242.17%Q2 ’252.13%Q2 ’26-2%+4%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #50 of 100 inst. · $0.5B of $580.3B

Executive Summary

  • Earnings: ROA of 1.13%, up 55 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.11% of loans (-39 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.82%, up 68 bps from a year ago.
  • Funding: loans stand at 109.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+86 bps YoY

Efficiency Ratio (YTD, annualized)

57.21%-1,572 bps YoY

Tier 1 Leverage Ratio

18.82%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.68%0.76%1.08%1.13%+55 bps
Return on Equity3.21%3.73%4.15%5.77%6.02%+281 bps
Net Interest Margin2.84%3.02%3.14%3.62%3.70%+86 bps
Efficiency Ratio72.93%69.54%65.98%58.10%57.21%-1,572 bps
Non-Interest Burden2.03%2.07%2.04%2.10%2.11%+8 bps
Growth
Asset Growth (YoY)6.39%3.19%2.30%3.01%1.09%-530 bps
Loan Growth (YoY)12.32%6.67%3.88%4.68%2.83%-949 bps
Deposit Growth (YoY)11.41%8.44%1.57%2.41%2.29%-913 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.40%0.37%0.37%0.11%-39 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.31%1.29%1.28%1.29%+2 bps
Allowance Coverage of NPLs2.5x3.3x3.5x3.4x11.4x+8.9x
Capital
Tier 1 Leverage Ratio18.14%18.42%18.66%18.62%18.82%+68 bps
Total Risk-Based Capital18.14%18.42%18.66%18.62%18.82%+68 bps
Equity / Assets18.11%18.55%18.77%18.65%18.98%+87 bps
Liquidity & Funding
Loans / Deposits108.70%107.43%107.28%106.82%109.28%+57 bps
Liquid Assets / Assets1.36%1.06%2.81%3.22%1.47%+11 bps
CRE / Total Capitaln/a343%341%339%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

Walpole Co-operative Bank

Walpole, MA · Cert 26487 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

State charter, Fed member · FED · 1 branch

Q2 2026

$646.5MAssets
$556.5MLoans
$509.2MDeposits
$122.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 29).
  • Widest gap: nonperforming loans / loans trails 45% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 14 of 29).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.13%

Rank 3 of 29

Net Interest Margin

3.70%

Rank 2 of 29

Efficiency Ratio

57.21%

Rank 1 of 29

Equity / Assets

18.98%

Rank 3 of 29

Non-interest income vs. expense

$0.1M$13.8MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 100% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 57.21%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.23%0.39%0.50%Beats 90%3 / 29
Return on Equity5.95%2.29%3.46%5.78%Beats 76%7 / 29
Net Interest Margin3.70%2.42%2.71%3.01%Beats 93%2 / 29
Efficiency Ratio57.21%78.96%84.14%93.09%Beats 100%1 / 29
Asset Quality
Nonperforming Loans / Loans0.11%0.03%0.13%0.43%Beats 55%14 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%15 / 29
Capital
Tier 1 Capital Ratio18.82%11.54%13.48%16.99%Beats 79%6 / 29
Total Risk-Based Capital Ratio18.82%11.54%14.44%17.87%Beats 76%7 / 29
Equity / Assets18.98%8.70%9.70%11.05%Beats 90%3 / 29
Liquidity & Funding
Loans / Deposits109.28%84.22%92.17%95.56%86th pctl4 / 28
Loans / Assets86.08%69.12%73.70%81.02%90th pctl3 / 29
Brokered Deposits / Depositsn/aNot reported for this institution