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Walden Mutual Bank

Concord, NH · Cert 59289

SI · 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 assets3

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 (n=581 to 629). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

11

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

Walden Mutual Bank

Concord, NH · Cert 59289

SI · FDIC · 1 branch

Q2 2026

$192.6MAssets
$127.2MLoans
$173.5MDeposits
$17.7MEquity
Loan mix
41%RE $48.8M59%C&I $71.5M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $147.6M15%Noninterest $25.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.02%, up 26 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 3.50% of loans (+83 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.33%, down 219 bps from a year ago.
  • Funding: loans stand at 73.33% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.02%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-9 bps YoY

Efficiency Ratio (YTD, annualized)

92.00%-1,077 bps YoY

Tier 1 Leverage Ratio

9.33%-219 bps YoY

NIM

5.98%Q2 ’246.03%Q2 ’255.63%Q2 ’26+5%-2%

Non-interest income vs. expense

4.43%Q2 ’244.03%Q2 ’253.53%Q2 ’26-9%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.55%-3.23%-0.64%-0.24%-0.12%-0.77%0.01%0.02%+26 bps
Return on Equity-19.17%-18.80%-5.18%-2.03%-1.08%-7.32%0.08%0.25%+229 bps
Net Interest Margin3.19%3.19%3.81%3.84%3.58%3.49%4.05%3.75%-9 bps
Efficiency Ratio122.57%116.72%107.33%102.77%96.89%90.07%89.99%92.00%-1,077 bps
Non-Interest Burden3.93%3.74%4.10%3.95%3.46%3.14%3.64%3.45%-50 bps
Growth
Asset Growth (YoY)94.37%63.72%38.63%37.83%39.01%38.76%39.60%31.90%-593 bps
Loan Growth (YoY)141.93%151.61%114.33%106.74%66.05%50.63%39.04%19.78%-8,696 bps
Deposit Growth (YoY)148.06%92.79%53.23%49.84%46.36%45.78%46.19%34.39%-1,544 bps
Asset Quality
Nonperforming Loans / Loans6.60%2.59%4.68%2.67%5.18%9.68%7.92%3.50%+83 bps
Net Charge-Offs / Loans0.00%2.96%0.14%-0.18%-0.11%1.11%0.29%0.18%+36 bps
Allowance / Loans3.34%0.67%0.67%0.68%0.72%0.62%0.65%0.68%0 bps
Allowance Coverage of NPLs0.5x0.3x0.1x0.3x0.1x0.1x0.1x0.2x-0.1x
Capital
Tier 1 Leverage Ratio14.54%13.04%12.22%11.53%9.96%8.71%8.47%9.33%-219 bps
Total Risk-Based Capital14.54%13.04%12.22%11.53%9.96%8.71%8.47%9.33%-219 bps
Equity / Assets13.76%12.81%12.02%10.75%9.39%8.57%8.10%9.19%-157 bps
Liquidity & Funding
Loans / Deposits71.21%80.56%85.96%82.28%80.80%83.24%81.75%73.33%-895 bps
Liquid Assets / Assets39.18%27.74%21.11%20.24%21.97%19.06%18.00%23.36%+312 bps
CRE / Total Capitaln/an/an/an/a166.85%214%232%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

Walden Mutual Bank

Concord, NH · Cert 59289 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$192.6MAssets
$127.2MLoans
$173.5MDeposits
$17.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 60% of banks under $1B in assets (rank 251 of 629).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets (rank 604 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.02%

Rank 575 of 629

Net Interest Margin

3.75%

Rank 251 of 629

Efficiency Ratio

92.00%

Rank 561 of 629

Equity / Assets

9.19%

Rank 459 of 629

Non-interest income vs. expense

$0.2M$6.7MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 11% of banks under $1B in assets
Bank 92.00%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.02%0.60%1.01%1.45%Beats 9%575 / 629
Return on Equity0.23%5.38%9.30%13.28%Beats 9%575 / 629
Net Interest Margin3.75%3.03%3.54%4.05%Beats 60%251 / 629
Efficiency Ratio92.00%58.35%67.79%79.08%Beats 11%561 / 629
Asset Quality
Nonperforming Loans / Loans3.50%0.09%0.46%1.20%Beats 5%553 / 581
Net Charge-Offs / Loans0.09%n/a0.01%0.06%Beats 20%464 / 581
Capital
Tier 1 Capital Ratio9.33%11.24%13.84%18.77%Beats 4%603 / 629
Total Risk-Based Capital Ratio9.33%11.58%14.43%19.66%Beats 4%604 / 629
Equity / Assets9.19%9.09%10.65%13.80%Beats 27%459 / 629
Liquidity & Funding
Loans / Deposits73.33%67.24%80.90%93.48%35th pctl385 / 594
Loans / Assets66.06%53.31%67.71%78.15%46th pctl337 / 629
Brokered Deposits / Depositsn/aNot reported for this institution