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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 0.04%, down 9 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 3.50% of loans (+83 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

0.04%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-30 bps YoY

Efficiency Ratio (quarter, annualized)

93.94%-488 bps YoY

Tier 1 Leverage Ratio

9.33%-219 bps YoY

NIM

6.54%Q2 ’246.32%Q2 ’255.69%Q2 ’26+6%-7%

Non-interest income vs. expense

4.52%Q2 ’244.15%Q2 ’253.66%Q2 ’26-9%-12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-7.48%-2.35%-0.64%0.13%0.08%-2.38%0.01%0.04%-9 bps
Return on Equity-48.01%-17.73%-5.18%1.12%0.81%-26.51%0.08%0.42%-70 bps
Net Interest Margin3.19%3.80%3.81%4.09%4.11%3.95%4.05%3.79%-30 bps
Efficiency Ratio129.09%102.89%107.33%98.81%87.43%72.86%89.99%93.94%-488 bps
Non-Interest Burden4.14%3.91%4.10%4.04%3.58%2.85%3.64%3.56%-49 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%11.84%0.14%-0.49%-0.01%4.76%0.29%0.04%+54 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