Walden Mutual Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin fell 0.30 percentage points from Q1 2026 to Q2 2026, ending at 3.83% against 4.13%. It was the largest change among the key lines on this page. Within New Hampshire, Walden Mutual Bank is 4th of 16 on net interest margin, 3.83% as of Q2 2026, above the middle of the field. Walden Mutual Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.44% |
| Yield on securities | 4.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $898K |
| Interest expense on deposits | $898K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.39% | 2.71% | 4.60% | 8.14% | 4.81% |
| Q4 2023 | 6.74% | 3.01% | 4.59% | 8.53% | 4.90% |
| Q1 2024 | 6.48% | 3.11% | 4.09% | 8.10% | 4.84% |
| Q2 2024 | 6.64% | 3.34% | 3.92% | 8.26% | 5.04% |
| Q3 2024 | 5.97% | 3.29% | 3.22% | 6.78% | 5.09% |
| Q4 2024 | 6.38% | 3.03% | 3.79% | 7.27% | 4.87% |
| Q1 2025 | 6.16% | 2.66% | 3.85% | 6.80% | 4.62% |
| Q2 2025 | 6.43% | 2.49% | 4.17% | 7.04% | 4.72% |
| Q3 2025 | 6.32% | 2.41% | 4.16% | 6.94% | 4.70% |
| Q4 2025 | 6.06% | 2.26% | 4.00% | 6.58% | 4.62% |
| Q1 2026 | 6.21% | 2.21% | 4.13% | 6.79% | 4.66% |
| Q2 2026 | 5.74% | 2.04% | 3.83% | 6.44% | 4.74% |
Walden Mutual Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Walden Mutual Bank, freeSource: Call Report Schedules RI and RC-K, 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)