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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · New Hampshire, the state note

Savings Bank of Walpole

Walpole, New Hampshire · $858M in assets · beside the 9 other New Hampshire banks between $300M and $1B

The filing

7.7%
Equity / assets
10th of 10
0.84%
ROA
3rd of 10
3.8x
Coverage of noncurrent
3rd of 9

Savings Bank of Walpole is the second largest of the 10 New Hampshire banks between $300M and $1B, with $858M in assets at 30 June 2026. Loans are 81.8% of deposits, 4th of 10 against a median of 91.8%, and equity is 7.7% of assets, the lowest in the cohort. Loans grew +6.6% in the year, 5th of 10, and deposits grew 6.3%; the cohort's median loan growth is +6.0%.

Noncurrent loans are 0.26% of the book, 5th of 10 against a median of 0.29%; 0.31% is 30 to 89 days past due, and the allowance covers them 3.8 times. Commercial real estate is 13.1% of loans, 4th of 10 against a median of 17.0%, and 103% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 0.84%, 3rd of 10 against a median of 0.50%, on an efficiency ratio of 72.5%, 4th of 10. Five years ago it was 0.47%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsNH banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 10.1% PB Primary Bank 15.8% CS Claremont Savings Bank 11.7% SR Sugar River Bank 11.6% PS Piscataqua Savings Bank 11.1% SC Salem Coop Bank 11.0% MB Millyard Bank 9.2% PB Profile Bank 8.9% FS Franklin Savings Bank 8.8% FS First Seacoast Bank 8.2% SB Savings Bank of Walpole 7.7%
Loans, year over yearNH banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.0% MB Millyard Bank +25.8% PB Profile Bank +10.0% PB Primary Bank +8.4% CS Claremont Savings Bank +6.9% SB Savings Bank of Walpole +6.6% FS Franklin Savings Bank +5.4% SR Sugar River Bank +5.2% SC Salem Coop Bank +3.1% PS Piscataqua Savings Bank -2.6% FS First Seacoast Bank -4.1%

SBA 7(a), FY2008 to FY2026

Savings Bank of Walpole is the 32nd largest 7(a) lender into New Hampshire of 177, with $15M across 83 loans, 0.8% of everything approved in the state (TD Bank, National Association leads with $151M). Every market on its book has had an approval since FY2023.

Where it lends in New Hampshire, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cheshire, NH$13M2nd of 4117.0%+17.5 pts
Hillsborough, NH$1M49th of 1170.3%thin
Windham, VT$338K24th of 390.6%-1.1 pts
Sullivan, NH$180K16th of 250.6%thin
Merrimack, NH$80K56th of 620.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing15$5M31.1%0.01%718th of 2,246
Retail trade14$2M13.1%0.00%1173rd of 2,589
Accommodation & food services17$2M12.4%0.00%1272nd of 2,596
Wholesale trade1$1M9.2%0.01%788th of 1,651
Professional & technical services6$1M8.7%0.00%907th of 1,955
7(a) lenders into New Hampshire, share of approvals since FY2008177 lenders on record; the ten largest and Savings Bank of Walpole
TB TD Bank, National Association 8.3% $151M · 1,346 loans LO Live Oak Banking Company 6.9% $125M · 110 loans EB Eastern Bank 5.4% $98M · 739 loans PB Primary Bank 5.0% $91M · 246 loans Ma Manufacturers and Traders Trust C… 4.7% $86M · 412 loans CB Citizens Bank, National Associati… 4.0% $72M · 563 loans NB Needham Bank 3.7% $67M · 249 loans RT Rockland Trust Company 3.4% $62M · 258 loans BH Bar Harbor Bank & Trust 2.9% $53M · 374 loans BS Bangor Savings Bank 2.8% $50M · 279 loans SB Savings Bank of Walpole 0.8% $15M · 83 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Savings Bank of WalpoleRankCohort median
Total CRE against capital, the 300% screen103%5th of 10121%
Construction against capital, the 100% screen29%4th of 1041%
Construction and land development, share of loans3.6%2nd of 105.7%
Non-owner-occupied nonfarm nonresidential, share of loans5.4%5th of 105.7%
Total CRE, the guidance definition, share of loans13.1%4th of 1017.0%
CRE growth over 36 months, the third prong+13.8%3rd of 10+24.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Franklin Savings Bank$931M1.1%61.9%0.50%0.00%0.9%94.3%8.8%
Savings Bank of Walpole$858M0.8%72.5%0.26%-0.06%1.0%81.8%7.7%
Primary Bank$770M1.8%45.6%1.48%0.09%1.0%104.2%15.8%
Claremont Savings Bank$620M0.3%88.4%0.45%-0.02%0.9%103.5%11.7%
Salem Coop Bank$580M0.3%84.7%0.26%0.04%0.6%119.8%11.0%
First Seacoast Bank$576M-0.1%102.8%0.03%0.00%0.8%89.3%8.2%
Sugar River Bank$424M0.6%76.5%0.33%0.03%0.6%80.5%11.6%
Piscataqua Savings Bank$373M0.4%83.1%0.00%0.00%0.7%66.4%11.1%
Millyard Bank$333M0.6%68.5%0.85%0.00%0.9%95.4%9.2%
Profile Bank$317M0.3%90.6%0.02%0.01%0.4%71.0%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Savings Bank of WalpoleCohort median
20212026Change20212026Change
Loans$443M$642M+45%$348M$454M+31%
Deposits$565M$785M+39%$366M$439M+20%
NPA / loans0.55%0.26%-0.29 pts0.38%0.29%-0.09 pts
Efficiency78.4%72.5%-5.9 pts82.4%79.8%-2.6 pts
ROA0.47%0.84%+0.36 pts0.48%0.50%+0.02 pts

This read was prepared for Savings Bank of Walpole's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Savings Bank of Walpole is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NH banks $300M to $1B
Institution www.walpolebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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