Walden Mutual Bank
Total assets
$192.6M
▲ +31.9% YoY
Deposits
$173.5M
▲ +34.4% YoY
Loans
$126.3M
▲ +19.8% YoY
Offices
1
ROA (annualized)
0.02%
peers 1.24%
ROE (annualized)
0.25%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Walden Mutual Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +31.9% | +4.4% | +27.5 pts |
| Deposit growth (YoY) | +34.4% | +4.0% | +30.4 pts |
| Loan growth (YoY) | +19.8% | +5.6% | +14.2 pts |
| ROA | 0.02% | 1.24% | -1.2 pts |
| ROE | 0.3% | 11.9% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
Profile
- Established
- 2022
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 66 N Main St, Concord, NH, 03301
- County
- Merrimack
- Metro area
- Concord, NH
- Offices
- 1
- FDIC cert #
- 59289
- RSSD ID
- 5787418
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.6M | $173.5M | $126.3M | $17.7M | $20K | 0.02% | 3.98% | 2.31% |
| Q1 2026 | $181.8M | $166.0M | $134.8M | $14.7M | $3K | 0.01% | 4.06% | 5.91% |
| Q4 2025 | $171.7M | $156.0M | $129.1M | $14.7M | $-1.1M | -0.77% | 4.08% | 7.32% |
| Q3 2025 | $167.5M | $150.5M | $120.7M | $15.7M | $-128K | -0.12% | 4.06% | 3.76% |
| Q2 2025 | $146.0M | $129.1M | $105.5M | $15.7M | $-160K | -0.24% | 3.99% | 1.94% |
| Q1 2025 | $130.3M | $113.6M | $97.0M | $15.7M | $-204K | -0.64% | 3.92% | 3.51% |
| Q4 2024 | $123.8M | $107.0M | $85.6M | $15.9M | $-3.4M | -3.23% | 3.82% | 1.80% |
| Q3 2024 | $120.5M | $102.8M | $70.8M | $16.6M | $-2.6M | -3.55% | 3.76% | 4.01% |
Loan mix (Q2 2026): real estate $47.7M · commercial $67.6M · consumer $0 · securities $42.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Walden Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 62.9% | 95th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Walden Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Walden Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Walden Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Walden Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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