BlastPoint's Banking Scorecard
Savings Bank of Walpole
Community
Specialty: Commercial
NH
FDIC cert 18030
Walpole, NH
1484
banks in Community tier nationally
11 in NH
View Community leaderboard (NH) →
Savings Bank of Walpole faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$838.9M
+7.8% YoY
+2.4% QoQ
|
-$552.6M |
$1.4B
+2.0% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$602.1M
+2.9% YoY
-0.3% QoQ
|
-$373.3M |
$975.5M
+2.4% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$766.8M
+7.0% YoY
+2.2% QoQ
|
-$397.8M |
$1.2B
+1.7% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.78%
+10.5% YoY
+3.7% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.82%
+10.5% YoY
+1.1% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
72.88%
-2.3% YoY
-1.7% QoQ
|
+10.25% |
62.63%
-5.3% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.56%
+61.1% YoY
+107.6% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
78.53%
-3.8% YoY
-2.4% QoQ
|
-4.54% |
83.06%
+0.3% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
13.99%
+1.3% YoY
-1.2% QoQ
|
-7.05% |
21.05%
-0.9% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.40%
+53.7% YoY
+102.2% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.63%
+6.4% YoY
+3.5% QoQ
|
+3.38% |
10.24%
-0.6% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.43%
-4.1% YoY
+35.5% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#110 of 642 · Bottom 17% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.53% · Tier avg: 83.06%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
60
60th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
44
44th pctile
Total Deposits
Current: $766.8M · Tier avg: $1.2B
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
41
41th pctile
Total Loans
Current: $602.1M · Tier avg: $975.5M
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
38
38th pctile
Total Assets
Current: $838.9M · Tier avg: $1.4B
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.99% · Tier avg: 21.05%
21
21th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 62.63%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 62.63%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.99% · Tier avg: 21.05%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
38
38th pctile
Total Assets
Current: $838.9M · Tier avg: $1.4B
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
41
41th pctile
Total Loans
Current: $602.1M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
44
44th pctile
Total Deposits
Current: $766.8M · Tier avg: $1.2B
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
60
60th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.53% · Tier avg: 83.06%