FDIC Cert #59289 · Concord, New Hampshire · Est. 2022

Walden Mutual Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$172M
Total assets
F
Health grade · At Risk
-0.77%
Return on assets
8.7%
Tier 1 capital

Data updated July 2026

The verdict

Walden Mutual Bank earns a PlainBankData health grade of F (18/100), with 8.71% Tier 1 capital, -0.77% ROA, 90% efficiency ratio.

#3,202
largest of 4,313 FDIC banks by assets
26th
percentile by asset size, nationally
8.71%
Tier 1 ratio - below the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 59289 · NH F · 18/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-WATCH · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-F F (18/100)
  • BOTTOM-DECILE #4301/4307
  • PHOTO-FINISH Nano Banc · CA
  • TIER1-ADEQ 8.7% Tier 1
  • TEXAS-WATCH 81.0% Texas
  • ROA-LOSS -0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Hampshire: Nano Banc, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Walden Mutual Bank

Lowest and highest poles plus nearest scored peers outside New Hampshire, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Nano Banc · CA · near18/100Walden Mutual Bank · NH · th…18/100Summit National Bank · WY · …16/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Walden Mutual Bank · July 2026

Plate reading for Walden Mutual Bank where failures stay rare

Walden Mutual Bank (FDIC Cert #59289) carries a PlainBankData health grade of F at 18/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,301 of 4,307. Tier 1 capital prints at 8.71%, missing the 10% well-capitalized line. The Texas Ratio is 80.96%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -0.77%. Balance-sheet scale is $172M, 3,202nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Nano Banc (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Walden Mutual Bank

Only 1 FAILURE resolution in New Hampshire since 2000

Walden Mutual Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST ALLIANCE BANK AND TRUST CO MANCHESTER, NH 2001 → SOUTHERN NEW HAMPSHIRE BANK
  • SEACOAST SAVINGS BANK DOVER, NH 1992 → FIRST S&LA OF NEW HAMPSH
  • THE SOMERSWORTH BANK SOMERSWORTH, NH 1992 → NEW DARTMOUTH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Hampshire banks.

How Walden Mutual Bank's 18/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10018/100
Walden Mutual Bank's composite health score
Tier 1 Capital Ratio (8.71%) 18/40
Return on Assets (ROA) (-0.77%) 0/25
Texas Ratio (80.96%) 0/20
Efficiency Ratio (90.07%) 0/15

18 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$172M

Total balance-sheet footings

Total Deposits

$156M

Customer-funded liabilities

Net Loans

$129M

Outstanding loan book

Net Income

$-1,137K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.31% 8.71% 10.11%
Basel III capital ratios - Walden Mutual Bank

Where Walden Mutual Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Walden Mutual Bank's score of 18/100 falls in the highlighted band.

Walden Mutual Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

18 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). This entry sits in this band. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Walden Mutual Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Walden Mutual Bank'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). Walden Mutual Bank's $172M falls in the highlighted band.

Safety metrics: Walden Mutual Bank

Tier 1 capital ratio
Well-capitalized 10%

8.71% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
8.71%
Texas Ratio
80.96%
Equity Capital
$15M

What these ratios mean →

Profitability metrics: Walden Mutual Bank

Return on Assets (ROA)
2nd percentile nationally
-0.77%
Return on Equity (ROE)
-7.32%
Efficiency Ratio
90.07%

What these mean →

Income & expense: loss period at Walden Mutual Bank

$9M
Interest Income
$146K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Walden Mutual Bank reports a Texas Ratio of 80.96% - elevated, troubled assets are consuming a meaningful share of capital and reserves.

Texas Ratio
Caution 50%

80.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Walden Mutual Bank

Walden Mutual Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 80.96% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-1,137K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 8.71% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Walden Mutual Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Walden Mutual Bank on FDIC BankFind →

Top banks in New Hampshire by total assets

Largest banks headquartered in New Hampshire
  1. 1
    Mascoma Bank $3.0B

    Lebanon, NH · Grade C

  2. 2
    Bank of New Hampshire $2.7B

    Laconia, NH · Grade B

  3. 3
    Bank of New England $1.8B

    Salem, NH · Grade A

  4. 4
    Meredith Village Savings Bank $1.6B

    Meredith, NH · Grade C

  5. 5
    Merrimack County Savings Bank $1.4B

    Concord, NH · Grade C

Top 5 banks in New Hampshire ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($172M here), outside New Hampshire so the neighborhood is not state containment.

Peoples Bank & Trust Company $172M · TN Atkins Savings Bank & Trust $172M · IA NEW FRONTIER BANK $171M · MO Illini State Bank $172M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Walden Mutual Bank (FDIC Cert #59289) - 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.

Walden Mutual Bank Call Report profile · FDIC Failed Bank List · New Hampshire FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Hampshire

All New Hampshire banks →
BankAssetsGradeROA
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%
Savings Bank of WalpoleWalpole $839M B 0.78%
Primary BankBedford $723M A 1.62%