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Savings Bank of Walpole

$100M-$1B Specialty: Commercial NH FDIC cert 18030

Walpole, NH

7 branches across NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in NH.
  • Deposits +6.3% year over year ($784.5M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 0.85%.
  • Efficiency ratio 72.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in NH
View $100M-$1B leaderboard (NH) →

Savings Bank of Walpole has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.05% above tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.3% in tier
  • - Credit Risk Growth: Bottom 22.3% in tier
  • - ROA 0.47% below tier average
  • - Efficiency Ratio 8.05% above tier average
Get updates when Savings Bank of Walpole releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Total Assets ? $857.9M
+6.5% YoY +1.1% QoQ
+$471.4M $386.6M
+1.2% YoY
$985.9M
+4.5% YoY
$6.3B
+7.7% YoY
Top 5.3% in tier
Total Loans ? $635.3M
+6.7% YoY +3.7% QoQ
+$377.0M $258.3M
+1.7% YoY
$784.0M
+4.1% YoY
$3.2B
+9.4% YoY
Top 4.7% in tier
Total Deposits ? $784.5M
+6.3% YoY +1.0% QoQ
+$457.8M $326.7M
+0.7% YoY
$821.8M
+4.3% YoY
$4.9B
+7.3% YoY
Top 3.0% in tier
Return on Assets ? 0.85%
+18.8% YoY +7.7% QoQ
-0.47% 1.32%
+10.8% YoY
2.60%
+26.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.04%
+8.9% YoY +2.5% QoQ
+0.05% 3.99%
+5.0% YoY
3.32%
+9.1% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 72.53%
-3.0% YoY -1.8% QoQ
+8.05% 64.48%
-3.2% YoY
72.35%
-12.1% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.26%
+11.9% YoY -50.6% QoQ
-0.65% 0.92%
+15.7% YoY
0.71%
+32.8% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 80.99%
+0.4% YoY +2.6% QoQ
+3.03% 77.95%
+1.0% YoY
86.43%
-0.1% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 13.48%
-1.7% YoY -2.0% QoQ
-8.55% 22.03%
-0.6% YoY
14.23%
-1.6% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.20%
+12.1% YoY -49.3% QoQ
-0.47% 0.67%
+16.4% YoY
0.64%
+37.8% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 13.42%
+3.6% YoY -1.2% QoQ
-2.49% 15.91%
+1.4% YoY
18.41%
-3.0% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.21%
+2.4% YoY +96.6% QoQ
-0.35% 0.57%
+7.6% YoY
2.02%
+14.2% YoY
0.66%
+5.2% YoY
53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Noninterest-Bearing 13.5%
-0.2pp YoY
-0.3pp QoQ
 -8.7pp 22.1% 15.1% 22.2% 18%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
C&I 6.6%
-0.4pp YoY
+0.1pp QoQ
 -4.9pp 11.6% 10.5% 12.5% 30%
CRE 28.2%
+1.3pp YoY
-1.0pp QoQ
 -11.4pp 39.5% 41.5% 41.4% 32%
1-4 Family 48.2%
-2.5pp YoY
-0.6pp QoQ
 +15.6pp 32.6% 44.6% 31.3% 80%
Consumer 17.7%
+1.6pp YoY
+1.5pp QoQ
 +13.6pp 4.1% 4.8% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
CET1 Ratio 13.4%
+0.5pp YoY
-0.2pp QoQ
 -5.4pp 18.8% 14.5% 19.7% 33%
Leverage Ratio 8.7%
+0.2pp YoY
0.0pp QoQ
 -3.5pp 12.2% 16.7% 12.6% 8%
Total Capital Ratio 14.6%
+0.5pp YoY
-0.1pp QoQ
 -5.3pp 19.9% 15.6% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Full-Time Employees 122
+12 (+10.9%) YoY
+4 (+3.4%) QoQ
 +63 58 117 482 93%
Assets per Employee ($) $7.0M
-4.0% YoY
-2.3% QoQ
 -$486K $7.5M $8.6M $8.8M 53%
Branch Count 7
0 YoY
0 QoQ
 +2 4 7 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 0.3%
0.0pp YoY
-0.3pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 35%
Allowance Coverage 3.81x
-11.1% YoY
+106.9% QoQ
 -20.35x 24.15x 5.03x 20.23x 64%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
ROE 11.2%
+1.0pp YoY
+0.7pp QoQ
 -1.0pp 12.2% 7.7% 11.6% 44%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 11%
Net Income ($, YTD) $3.6M
+26.8% YoY
— QoQ
 +$1.1M $2.6M $4.7M $40.4M 77%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#181 of 1256 • Bottom 14.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#210 of 936 • Bottom 22.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

80
Total Deposits
size
Value: $784.50M
Peer Median: $326.73M
#80 of 2643 Top 3.0% in $100M-$1B
125
Total Loans
size
Value: $635.33M
Peer Median: $258.35M
#125 of 2643 Top 4.7% in $100M-$1B
141
Total Assets
size
Value: $857.94M
Peer Median: $386.57M
#141 of 2643 Top 5.3% in $100M-$1B

Top Weaknesses (2 metrics)

2142
Non-Interest-Bearing Deposit Share
funding
Value: 13.48%
Peer Median: 22.03%
#2142 of 2643 Bottom 19.0% in $100M-$1B
1992
Efficiency Ratio
profitability
Value: 72.53%
Peer Median: 64.48%
#1992 of 2643 Bottom 24.7% in $100M-$1B
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