Total Assets
$839M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Savings Bank of Walpole — FDIC Bank Health Profile
Walpole, New Hampshire · Est. 1875. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered SI FDIC Cert #18030 New York Region
C
Health grade
Fair
Score: 53/100
Basel III capital ratios — Savings Bank of Walpole
Total Deposits
$767M
Customer-funded liabilities
Net Loans
$602M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
13.63% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
13.63%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$63M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.78%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.78%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
72.88%
Income & Expense Breakdown
$38M
Interest Income
$4M
Non-Interest Income
$24M
Non-Interest Expense
FDIC Deposit Insurance
Savings Bank of Walpole is FDIC-insured (Certificate #18030). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Savings Bank of Walpole
Savings Bank of Walpole is an FDIC-insured institution (Certificate #18030) headquartered in Walpole, New Hampshire, established in 1875. The bank currently holds $839M in total assets and $767M in customer deposits, with $602M deployed as loans. It operates as a State chartered (SI) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Savings Bank of Walpole reports a Tier 1 Capital Ratio of 13.63% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $63M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.78% and a Return on Equity of 10.78%, with an Efficiency Ratio of 72.88% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (53/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Savings Bank of Walpole is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New Hampshire by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Savings Bank of Walpole (FDIC Cert #18030) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Mascoma Bank Lebanon | $3.0B | D | 0.52% |
| Bank of New Hampshire Laconia | $2.7B | C | 0.92% |
| Bank of New England Salem | $1.8B | D | 2.28% |
| Meredith Village Savings Bank Meredith | $1.6B | D | 0.43% |
| Merrimack County Savings Bank Concord | $1.4B | D | 0.27% |
| Franklin Savings Bank Franklin | $917M | C | 0.77% |
| Primary Bank Bedford | $723M | A | 1.62% |
| Claremont Savings Bank Claremont | $621M | F | 0.43% |
Frequently Asked Questions
What is Savings Bank of Walpole's health grade? ▼
Savings Bank of Walpole receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Savings Bank of Walpole? ▼
Savings Bank of Walpole holds $839M in total assets and $767M in deposits. It is headquartered in Walpole, New Hampshire.
Is my money safe at Savings Bank of Walpole? ▼
Yes. Savings Bank of Walpole is FDIC-insured (Certificate #18030). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Savings Bank of Walpole's Tier 1 Capital Ratio? ▼
Savings Bank of Walpole has a Tier 1 Capital Ratio of 13.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Savings Bank of Walpole? ▼
Savings Bank of Walpole has an Efficiency Ratio of 72.88%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.