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
Unfavorable gap of $6.5M · efficiency ratio beats 11% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.60% | 1.01% | 1.45% | Beats 9% | 575 / 629 | | |
| Return on Equity | 0.23% | 5.38% | 9.30% | 13.28% | Beats 9% | 575 / 629 | | |
| Net Interest Margin | 3.75% | 3.03% | 3.54% | 4.05% | Beats 60% | 251 / 629 | | |
| Efficiency Ratio | 92.00% | 58.35% | 67.79% | 79.08% | Beats 11% | 561 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.50% | 0.09% | 0.46% | 1.20% | Beats 5% | 553 / 581 | | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 20% | 464 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.33% | 11.24% | 13.84% | 18.77% | Beats 4% | 603 / 629 | | |
| Total Risk-Based Capital Ratio | 9.33% | 11.58% | 14.43% | 19.66% | Beats 4% | 604 / 629 | | |
| Equity / Assets | 9.19% | 9.09% | 10.65% | 13.80% | Beats 27% | 459 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.33% | 67.24% | 80.90% | 93.48% | 35th pctl | 385 / 594 | | |
| Loans / Assets | 66.06% | 53.31% | 67.71% | 78.15% | 46th pctl | 337 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |