Total Assets
$839M
Total balance-sheet footings
FDIC Cert #18030 · Walpole, New Hampshire · Est. 1875
Savings Bank of Walpole - FDIC Bank Health Profile
A community-scale look at Savings Bank of Walpole's own numbers, pulled straight from its quarterly FDIC Call Report.
- $839M
- Total assets
- B
- Health grade · Good
- 0.78%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
Savings Bank of Walpole earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.63% Tier 1, 0.78% ROA, 73% efficiency ratio.
- #1,214
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 13.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Savings Bank of Walpole's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Savings Bank of Walpole's composite health score
Tier 1 Capital Ratio (13.63%) 35/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (4.84%) 20/20
Efficiency Ratio (72.88%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$767M
Customer-funded liabilities
Net Loans
$602M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Savings Bank of Walpole ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Savings Bank of Walpole's score of 73/100 falls in the highlighted band.
Savings Bank of Walpole's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Savings Bank of Walpole's $839M falls in the highlighted band.
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
13.63%
Texas Ratio
4.84%
Equity Capital
$63M
Profitability metrics
Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
10.78%
Efficiency Ratio
72.88%
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. It holds $839M in total assets - 1,214th of 4,313 FDIC-insured banks, $767M in customer deposits, and $602M in net loans. Its capital position: a Tier 1 ratio of 13.63%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.84% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Savings Bank of Walpole sits 7th of 17 banks headquartered in New Hampshire by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$38M
Interest Income
$4M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Savings Bank of Walpole reports a Texas Ratio of 4.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Hampshire by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Savings Bank of Walpole (FDIC Cert #18030) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 BankLebanon | $3.0B | C | 0.52% |
| Bank of New HampshireLaconia | $2.7B | B | 0.92% |
| Bank of New EnglandSalem | $1.8B | A | 2.28% |
| Meredith Village Savings BankMeredith | $1.6B | C | 0.43% |
| Merrimack County Savings BankConcord | $1.4B | C | 0.27% |
| Franklin Savings BankFranklin | $917M | B | 0.77% |
| Primary BankBedford | $723M | A | 1.62% |
| Claremont Savings BankClaremont | $620M | C | 0.43% |
Frequently asked questions
What is Savings Bank of Walpole's health grade?▼
Savings Bank of Walpole receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Savings Bank of Walpole?▼
Savings Bank of Walpole holds $839M in total assets and $767M in deposits, ranking 1,214th of 4,313 FDIC-insured banks by asset size. It is headquartered in Walpole, New Hampshire.
Is my money safe at Savings Bank of Walpole?▼
Yes, deposits at Savings Bank of Walpole (Certificate #18030) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Savings Bank of Walpole's Tier 1 Capital Ratio?▼
Savings Bank of Walpole has a Tier 1 Capital Ratio of 13.63%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Savings Bank of Walpole?▼
Savings Bank of Walpole has a Texas Ratio of 4.84%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Savings Bank of Walpole?▼
Savings Bank of Walpole has an Efficiency Ratio of 72.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Savings Bank of Walpole's profile as a depositor or analyst.
- Savings Bank of Walpole's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Savings Bank of Walpole against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.