BlastPoint's Banking Scorecard
Walden Mutual Bank
Micro
Specialty: Commercial
NH
FDIC cert 59289
Designations: ✓ Community bank
Concord, NH
2498
banks in Micro tier nationally
6 in NH
View Micro leaderboard (NH) →
Walden Mutual Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.08% below tier
- - Efficiency Ratio 29.93% above tier
- - Delinquency Rate 9.01% above tier
- - Nonperforming Asset Ratio 6.82% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.9M
+39.7% YoY
+3.2% QoQ
|
-$44.6M |
$217.5M
+2.3% YoY
|
$968.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$130.2M
+52.0% YoY
+7.9% QoQ
|
-$9.0M |
$139.2M
+2.8% YoY
|
$770.7M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$156.0M
+45.8% YoY
+3.7% QoQ
|
-$27.6M |
$183.7M
+1.8% YoY
|
$810.3M
+6.7% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.01%
+100.3% YoY
+107.3% QoQ
|
-1.08% |
1.08%
+14.7% YoY
|
0.55%
+25.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.75%
-2.0% YoY
-7.7% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.15%
+8.4% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
97.65%
-16.3% YoY
+0.8% QoQ
|
+29.93% |
67.73%
-4.8% YoY
|
77.31%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
9.65%
+270.1% YoY
+85.1% QoQ
|
+9.01% |
0.64%
+24.4% YoY
|
0.32%
-21.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.46%
+4.3% YoY
+4.0% QoQ
|
+8.93% |
74.53%
+0.5% YoY
|
92.47%
-0.7% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.70%
+14.1% YoY
-10.3% QoQ
|
-3.69% |
22.39%
-1.3% YoY
|
14.27%
-6.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
7.27%
+302.8% YoY
+93.4% QoQ
|
+6.82% |
0.45%
+25.1% YoY
|
0.15%
-56.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.40%
-10.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
+43.2% YoY
+44.3% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.38%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.65%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
9.65%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.27%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
53
53th pctile
Total Loans
Current: $130.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $156.0M · Tier avg: $183.7M
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
44
44th pctile
Total Assets
Current: $172.9M · Tier avg: $217.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.70% · Tier avg: 22.39%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.46% · Tier avg: 74.53%
6
6th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Efficiency Ratio
Current: 97.65% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 9.65% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 7.27% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 7.27% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 9.65% · Tier avg: 0.64%
6
6th pctile
Efficiency Ratio
Current: 97.65% · Tier avg: 67.73%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.46% · Tier avg: 74.53%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.70% · Tier avg: 22.39%
44
44th pctile
Total Assets
Current: $172.9M · Tier avg: $217.5M
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
47
47th pctile
Total Deposits
Current: $156.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $130.2M · Tier avg: $139.2M