BlastPoint's Banking Scorecard

Walden Mutual Bank

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

Concord, 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 +34.4% year over year ($173.5M on the books).
Delinquency rate 3.52%.
Return on assets 0.02%.
Efficiency ratio 92.00% vs a 64.48% peer average.
Loan-to-deposit ratio 72.83% 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) →

Walden Mutual Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 40.7% in tier
- Return on Assets 1.30% below tier average
- Efficiency Ratio 27.52% above tier average
- Delinquency Rate 2.60% above tier average
- Nonperforming Asset Ratio 1.64% above tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Walden Mutual Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Total Assets ?	$192.6M +31.9% YoY +5.9% QoQ	-$194.0M	$386.6M +1.2% YoY	$985.9M +4.5% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$126.3M +19.8% YoY -6.3% QoQ	-$132.0M	$258.3M +1.7% YoY	$784.0M +4.1% YoY	$3.2B +9.4% YoY	27%
Total Deposits ?	$173.5M +34.4% YoY +4.5% QoQ	-$153.3M	$326.7M +0.7% YoY	$821.8M +4.3% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.02% +109.2% YoY +223.7% QoQ	-1.30%	1.32% +10.8% YoY	2.60% +26.0% YoY	1.30% +12.1% YoY	Bottom 3.4% in tier
Net Interest Margin ?	3.98% -0.3% YoY -1.9% QoQ	-0.01%	3.99% +5.0% YoY	3.32% +9.1% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	92.00% -10.5% YoY +2.2% QoQ	+27.52%	64.48% -3.2% YoY	72.35% -12.1% YoY	70.05% +2.5% YoY	Bottom 4.7% in tier
Delinquency Rate ?	3.52% +31.0% YoY -55.9% QoQ	+2.60%	0.92% +15.7% YoY	0.71% +32.8% YoY	0.98% +16.3% YoY	Bottom 4.6% in tier
Loan-to-Deposit Ratio ?	72.83% -10.9% YoY -10.3% QoQ	-5.12%	77.95% +1.0% YoY	86.43% -0.1% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	14.90% -18.1% YoY -13.6% QoQ	-7.13%	22.03% -0.6% YoY	14.23% -1.6% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	2.31% +18.9% YoY -60.9% QoQ	+1.64%	0.67% +16.4% YoY	0.64% +37.8% YoY	0.69% +15.8% YoY	Bottom 5.4% in tier
Tier 1 Capital Ratio ?	9.33% -19.0% YoY +10.2% QoQ	-6.58%	15.91% +1.4% YoY	18.41% -3.0% YoY	17.09% +0.8% YoY	Bottom 3.3% in tier
Non-Interest Income / Assets ?	0.04% +7.0% YoY +157.3% QoQ	-0.53%	0.57% +7.6% YoY	2.02% +14.2% YoY	0.66% +5.2% YoY	Bottom 4.2% in tier

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	14.9% -3.3pp YoY -2.3pp QoQ	-7.3pp	22.1%	15.1%	22.2%	24%
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	53.5% +4.0pp YoY +0.6pp QoQ	+42.0pp	11.6%	10.5%	12.5%	99%
CRE	n/a	n/a	39.5%	41.5%	41.4%	n/a
1-4 Family	1.4% -0.3pp YoY +0.1pp QoQ	-31.3pp	32.6%	44.6%	31.3%	1%
Consumer	n/a	n/a	4.1%	4.8%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.5%	19.7%	n/a
Leverage Ratio	9.3% -2.2pp YoY +0.9pp QoQ	-2.8pp	12.2%	16.7%	12.6%	18%
Total Capital Ratio	n/a	n/a	19.9%	15.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Full-Time Employees	24 +5 (+26.3%) YoY +1 (+4.3%) QoQ	-35	58	117	482	17%
Assets per Employee ($)	$8.0M +4.4% YoY +1.5% QoQ	+$505K	$7.5M	$8.6M	$8.8M	68%
Branch Count	1 0 YoY 0 QoQ	-4	4	7	18	0%

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	3.5% +0.8pp YoY -4.5pp QoQ	+2.6pp	0.9%	0.8%	1.0%	96%
Allowance Coverage	0.20x -23.1% YoY +137.5% QoQ	-23.96x	24.15x	5.03x	20.23x	1%
Net Charge-off Rate (YTD)	0.2% +0.4pp YoY -0.1pp QoQ	0.0pp	0.1%	0.0%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
ROE	0.2% +2.3pp YoY +0.2pp QoQ	-11.9pp	12.2%	7.7%	11.6%	4%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.7%	1.7%	70%
Net Income ($, YTD)	$20,000 +112.5% YoY — QoQ	-$2.5M	$2.6M	$4.7M	$40.4M	3%

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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 (1)

NIB Deposit Bleed

decline

#67 of 162 • Bottom 40.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.90%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2556

Tier 1 Capital Ratio

capital

Value: 9.33%

Peer Median: 15.91%

#2556 of 2643 Bottom 3.3% in $100M-$1B

2555

Return on Assets

profitability

Value: 0.02%

Peer Median: 1.32%

#2555 of 2643 Bottom 3.4% in $100M-$1B

2532

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2532 of 2643 Bottom 4.2% in $100M-$1B

2514

Delinquency Rate

credit_quality

Value: 3.52%

Peer Median: 0.92%

#2514 of 2633 Bottom 4.6% in $100M-$1B

2521

Efficiency Ratio

profitability

Value: 92.00%

Peer Median: 64.48%

#2521 of 2643 Bottom 4.7% in $100M-$1B

2502

Nonperforming Asset Ratio

credit_quality

Value: 2.31%

Peer Median: 0.67%

#2502 of 2643 Bottom 5.4% in $100M-$1B

2009

Non-Interest-Bearing Deposit Share

funding

Value: 14.90%

Peer Median: 22.03%

#2009 of 2643 Bottom 24.0% in $100M-$1B

1988

Total Assets

size

Value: $192.57M

Peer Median: $386.57M

#1988 of 2643 Bottom 24.8% in $100M-$1B