Walden Mutual Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets dropped 8.57 percentage points in Q2 2026, from 74.63% to 66.06%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Walden Mutual Bank is 3rd from the bottom among 16 New Hampshire banks, 73.33% (Q2 2026). Walden Mutual Bank reported 73.33% on loan-to-deposit ratio for Q2 2026, 7.51 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $127.2M |
| Net loans and leases | $126.3M |
| Loans held for sale | $0 |
| Loans to total assets | 66.06% |
| Loan-to-deposit ratio | 73.33% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 53.18% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 10.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.09% |
| Construction concentration (Tier 1 capital + allowance) | 5.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.44% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $30.3M | $41.5M | 21.04% | 53.97% | 0.00% |
| Q4 2023 | $34.3M | $55.5M | 19.83% | 55.56% | 0.00% |
| Q1 2024 | $45.5M | $74.1M | 21.17% | 56.96% | 0.00% |
| Q2 2024 | $51.4M | $86.1M | 19.83% | 56.94% | 0.00% |
| Q3 2024 | $73.2M | $102.8M | 28.13% | 50.91% | 0.00% |
| Q4 2024 | $86.2M | $107.0M | 24.21% | 44.94% | 0.00% |
| Q1 2025 | $97.6M | $113.6M | 23.80% | 48.82% | 0.00% |
| Q2 2025 | $106.2M | $129.1M | 23.39% | 49.19% | 0.00% |
| Q3 2025 | $121.6M | $150.5M | 21.39% | 53.91% | 0.00% |
| Q4 2025 | $129.9M | $156.0M | 23.80% | 53.30% | 0.00% |
| Q1 2026 | $135.7M | $166.0M | 24.49% | 52.65% | 0.00% |
| Q2 2026 | $127.2M | $173.5M | 24.91% | 53.18% | 0.00% |
Walden Mutual Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Walden Mutual Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Walden Mutual Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59289) · FFIEC NIC profile (RSSD 5787418)