Walden Mutual Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Walden Mutual Bank's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $6.6M peer median). Its weakest relative measure is return on assets (0.02% vs. 1.21%).
| Measure | Walden Mutual Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.02% | 1.21% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 3.95% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.00% | 63.06% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $6.6M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.83% | 76.54% | Context |
What it means for lending operations
Its efficiency ratio of 92.00% is above the 63.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Savings Bank of Champaign Urbana Champaign, IL · $193M
- Wrentham Co-operative Bank Wrentham, MA · $193M
- Peoples Bank Lyons, GA · $192M
- The Bank of the West Thomas, OK · $192M
- Bank of Sunset and Trust Company Sunset, LA · $192M
- South Central State Bank Campbell, NE · $192M
Questions about Walden Mutual Bank
How big is Walden Mutual Bank?
Walden Mutual Bank, established in 2022, is headquartered in Concord, NH. It reported $193M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Walden Mutual Bank's return on assets?
0.02% annualized in Q2 2026, against a 1.21% median for 1000 U.S. banks with half to twice its assets, ahead of 2% of them.
What is Walden Mutual Bank's efficiency ratio?
92.00% in Q2 2026: it spent about 92 cents in noninterest expense for each dollar of revenue. The peer median is 63.06%, and lower is better.
Is Walden Mutual Bank growing its loans?
Net loans grew 19.8% over the year to Q2 2026, while deposits grew 34.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Hampshire bank ranked.