Walden Mutual Bank
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Data as of · sourced from FFIEC call reports. How we update
Walden Mutual Bank is an FDIC-insured savings bank headquartered in Concord, NH, established in 2022 (FDIC certificate 59289), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.6M, up 31.9% from Q2 2025, the 16th largest of 16 banks headquartered in New Hampshire. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59289
- Headquarters
- Concord, NH
- Established
- 2022
- Total assets, Q2 2026
- $192.6M
- Assets vs Q2 2025
- +31.9%
- Tier 1 leverage ratio, Q2 2026
- 9.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 011402121
- Latest call report
- Q2 2026, FFIEC 051 · Walden Mutual Bank call report
- Asset rank in state
- 16th of 16 in New Hampshire
Walden Mutual Bank spends more to run itself than most banks of its size. Its balance sheet stood at $193 million at June 30, 2026, up 31.9% from a year earlier; it is based in Concord, New Hampshire. It earns about $0.04 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $17,000 was 61% below a year earlier. Over the same year, loans grew 19.8% and deposits grew 34.4%. Credit is the area to watch: it carries problem assets equal to 13.2% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Walden Mutual Bank reported a return on assets of 0.04%, a nonperforming-loan ratio of 3.50% and a Texas ratio of 13.18%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in New Hampshire, Walden Mutual Bank is the smallest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.9% to $192.6M, loans fell 6.3% and deposits rose 4.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 53.2% of total loans, followed by owner-occupied commercial real estate loans at 24.7%. The FDIC Summary of Deposits lists a single office for it, in Concord, NH. Judged on its Q2 2026 call report, Walden Mutual Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 66 N Main St, Concord, NH 03301
- County
- Merrimack
- Metro Area
- Concord, NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $173.5M
- Allowance for credit losses
- $871K
- Net charge-offs (YTD)
- $112K
- Average total assets
- $189.5M
- Average total loans
- $129.4M
- Average interest-bearing deposits
- $148.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 5, 2022
- FDIC Cert
- 59289
- Fed RSSD
- 5787418
- Website
- www.waldenmutual.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Walden Mutual Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Walden Mutual Bank's total assets ran between $62.0M (Q3 2023) and $192.6M (Q2 2026), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.6M total assets against $146.0M; $174.9M total liabilities against $130.3M.
$126.3M net loans and leases against $105.5M; $173.5M total deposits against $129.1M.
$42.6M securities against $26.5M; $21.4M cash and balances due against $12.1M.
$2.7M total interest income against $2.2M; $898K total interest expense against $757K.
$1.8M net interest income against $1.4M.
$50K total noninterest income against $36K; $1.7M total noninterest expense against $1.4M.
-$8K provision for credit losses against -$64K.
$17K net income against $44K.
0.04% return on assets against 0.13%; 3.83% net interest margin against 4.17%.
9.33% tier 1 leverage ratio against 11.53%.
Inside the full Walden Mutual Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Walden Mutual Bank rankings
Its closest position to the top of a national ranking is 403 of 3,640, for Texas Ratio; its furthest is 3,518 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -7.43% (Q3 2024) to 0.13% (Q2 2025) and its net interest margin ran from 3.22% (Q3 2024) to 4.17% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.33% | 0.04% | 3.50% | 13.18% | 3.83% |
| Q1 2026 | 8.47% | 0.01% | 7.92% | 15.67% | 4.13% |
| Q4 2025 | 8.71% | -2.39% | 9.68% | 16.54% | 4.00% |
| Q3 2025 | 9.96% | 0.08% | 5.18% | 16.96% | 4.16% |
| Q2 2025 | 11.53% | 0.13% | 2.67% | 17.27% | 4.17% |
| Q1 2025 | 12.22% | -0.64% | 4.68% | 19.12% | 3.85% |
| Q4 2024 | 13.04% | -2.36% | 2.59% | 4.62% | 3.79% |
| Q3 2024 | 14.54% | -7.43% | 6.60% | 17.65% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Walden Mutual Bank (main office) | Concord , NH | 03301 | $173.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NH, rank 35 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Walden Mutual Bank
What are Walden Mutual Bank's total assets?
As of the Q2 2026 filing, Walden Mutual Bank reported total assets of $192.6 million in its FFIEC call report.
Where is Walden Mutual Bank headquartered?
It is headquartered in Concord, NH, United States.
When was Walden Mutual Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Walden Mutual Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #59289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Walden Mutual Bank?
Walden Mutual Bank's primary federal regulator is the FDIC.
How many branches does Walden Mutual Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Walden Mutual Bank's Texas Ratio?
Its Texas Ratio is 13.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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