BlastPoint's Banking Scorecard

Walden Mutual Bank

$100M-$1B Specialty: Commercial NH FDIC cert 59289

Concord, NH

2664 banks in the $100M-$1B peer group nationally 11 in NH

Walden Mutual Bank has 1 strength but faces 5 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 0.13% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.26% below tier average
- Efficiency Ratio 24.71% above tier average
- Delinquency Rate 7.09% above tier average
- Nonperforming Asset Ratio 5.28% above tier average
- Non-Interest Income / Assets 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$181.8M +39.6% YoY +5.9% QoQ	-$204.2M	$386.1M +0.5% YoY	$977.6M +5.3% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$134.8M +39.1% YoY +4.5% QoQ	-$120.9M	$255.7M +1.1% YoY	$770.5M +4.0% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$166.0M +46.2% YoY +6.4% QoQ	-$162.0M	$328.0M +0.1% YoY	$822.1M +5.6% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	0.01% +101.1% YoY +100.9% QoQ	-1.26%	1.27% +12.9% YoY	2.50% +26.1% YoY	1.23% +13.4% YoY	Bottom 3.6% in tier
Net Interest Margin ?	4.06% +3.6% YoY -0.5% QoQ	+0.13%	3.93% +6.0% YoY	3.31% +10.6% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	89.99% -16.1% YoY -0.1% QoQ	+24.71%	65.29% -4.5% YoY	72.72% -15.7% YoY	66.95% -4.1% YoY	Bottom 6.5% in tier
Delinquency Rate ?	7.98% +69.3% YoY -18.1% QoQ	+7.09%	0.89% +18.8% YoY	0.86% +40.0% YoY	0.95% +18.8% YoY	Bottom 0.5% in tier
Loan-to-Deposit Ratio ?	81.22% -4.9% YoY -1.8% QoQ	+4.58%	76.64% +0.8% YoY	86.08% -1.1% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	17.24% -7.8% YoY -7.8% QoQ	-4.78%	22.02% -1.0% YoY	13.95% -6.5% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	5.91% +68.6% YoY -19.2% QoQ	+5.28%	0.64% +19.7% YoY	0.71% +38.7% YoY	0.67% +19.3% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	8.47% -30.7% YoY -2.7% QoQ	-7.36%	15.83% +1.5% YoY	18.81% -1.3% YoY	17.06% +0.8% YoY	Bottom 0.2% in tier
Non-Interest Income / Assets ?	0.02% +3.9% YoY -81.2% QoQ	-0.26%	0.28% +9.3% YoY	1.05% +15.4% YoY	0.32% +4.1% YoY	Bottom 2.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2661

Tier 1 Capital Ratio

capital

Value: 8.47%

Peer Median: 15.83%

#2661 of 2664 Bottom 0.2% in $100M-$1B

2643

Delinquency Rate

credit_quality

Value: 7.98%

Peer Median: 0.89%

#2643 of 2654 Bottom 0.5% in $100M-$1B

2650

Nonperforming Asset Ratio

credit_quality

Value: 5.91%

Peer Median: 0.64%

#2650 of 2664 Bottom 0.6% in $100M-$1B

2587

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2587 of 2664 Bottom 2.9% in $100M-$1B

2570

Return on Assets

profitability

Value: 0.01%

Peer Median: 1.27%

#2570 of 2664 Bottom 3.6% in $100M-$1B

2492

Efficiency Ratio

profitability

Value: 89.99%

Peer Median: 65.29%

#2492 of 2664 Bottom 6.5% in $100M-$1B

2078

Total Assets

size

Value: $181.85M

Peer Median: $386.08M

#2078 of 2664 Bottom 22.0% in $100M-$1B