| Metric | Walden Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.5% | +2.5 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.9 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 10.9% | 12.2% | -1.2 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.02B | $819.6M | $788.8M | $93.7M | $5.0M | 1.01% | 3.98% | 0.82% |
| Q1 2026 | $977.3M | $804.6M | $753.1M | $90.9M | $2.7M | 1.10% | 3.94% | 0.46% |
| Q4 2025 | $968.3M | $820.0M | $734.1M | $88.4M | $9.6M | 1.01% | 3.79% | 0.43% |
| Q3 2025 | $956.8M | $808.4M | $708.5M | $84.7M | $7.4M | 1.05% | 3.74% | 0.35% |
| Q2 2025 | $945.0M | $802.9M | $692.9M | $80.4M | $4.9M | 1.05% | 3.68% | 0.24% |
| Q1 2025 | $925.7M | $798.6M | $672.9M | $76.9M | $2.3M | 0.99% | 3.63% | 0.23% |
| Q4 2024 | $914.4M | $799.4M | $659.9M | $72.9M | $5.6M | 0.62% | 3.44% | 0.23% |
| Q3 2024 | $926.8M | $793.5M | $648.2M | $74.5M | $4.9M | 0.73% | 3.39% | 0.37% |
Loan mix (Q2 2026): real estate $693.0M · commercial $102.5M · consumer $2.4M · securities $147.8M
| Ratio | Walden Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 59.0% | 70th |
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% |
| Ratio | Walden Savings 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% |
| Ratio | Walden Savings 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% |
| Ratio | Walden Savings 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% |
| Ratio | Walden Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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