WALDEN MUTUAL BANK

CONCORD, NH | Small | Est. Oct. 5, 2022, midnight | FDIC #59289 | RSSD #5787418 | FDIC
Latest Report: 2025-12-31

WALDEN MUTUAL BANK is asn small FDIC-insured commercial bank headquartered in CONCORD, NH, established in Oct. 5, 2022, midnight. As of 2025-12-31, the bank reported total assets of $173M and total deposits of $156M. Profitability stands at 0.33% ROA and 3.57% ROE, with a net interest margin of 3.06%. The bank's CET1 capital ratio is 9.18%. Asset quality metrics show a non-performing loan ratio of 4.63% and a Texas Ratio of 36.56%. FDIC Certificate #59289.

Assets

$173M

Deposits

$156M

Loans

$131M

Equity

$16M

Profitability

Return on Assets (ROA) 0.33%
Return on Equity (ROE) 3.57%
Net Interest Margin (NIM) 3.06%
Yield on Assets 5.26%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 4.63%
Net Charge-Off Ratio -0.07%
Texas Ratio 36.56%
NPA Ratio 3.51%
ACL / Loans 0.56%

Capital & Liquidity

CET1 Ratio 9.18%
Tier 1 Capital 9.18%
Total Capital Ratio 9.64%
Leverage Ratio 9.39%
Loan-to-Deposit 83.92%

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