Total Assets
$172M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$156M
Customer-funded liabilities
Net Loans
$129M
Outstanding loan book
Net Income
$-1,137K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-0.77%
Return on Equity (ROE)
-7.32%
Efficiency Ratio
90.07%
What the numbers say about Walden Mutual Bank
Walden Mutual Bank is an FDIC-insured institution (Certificate #59289) headquartered in Concord, New Hampshire, established in 2022. It holds $172M in total assets - 3,202nd of 4,313 FDIC-insured banks, $156M in customer deposits, and $129M in net loans. On safety, its Tier 1 capital ratio of 8.71% is below the 10% well-capitalized threshold, and its Texas Ratio of 80.96% sits above the 50% level analysts watch. It earns a PlainBankData health grade of F (18/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Hampshire, Walden Mutual Bank ranks 16th of 17 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in New Hampshire by total assets
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.
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% |
| Savings Bank of WalpoleWalpole | $839M | B | 0.78% |
| Primary BankBedford | $723M | A | 1.62% |
Frequently asked questions
What is Walden Mutual Bank's health grade?▼
Walden Mutual Bank receives a health grade of F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Walden Mutual Bank?▼
Walden Mutual Bank holds $172M in total assets and $156M in deposits, ranking 3,202nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Concord, New Hampshire.
Is my money safe at Walden Mutual Bank?▼
Yes, deposits at Walden Mutual Bank (Certificate #59289) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Walden Mutual Bank's Tier 1 Capital Ratio?▼
Walden Mutual Bank has a Tier 1 Capital Ratio of 8.71%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Walden Mutual Bank?▼
Walden Mutual Bank has a Texas Ratio of 80.96%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Walden Mutual Bank?▼
Walden Mutual Bank has an Efficiency Ratio of 90.07%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Walden Mutual Bank's profile as a depositor or analyst.
- Walden Mutual Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Walden Mutual Bank 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.