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Walden Mutual Bank

IDRSSD: 5787418
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #5787418 2025-Q2 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.7%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
81.72%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.12%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.53%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.53%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -1
63
Sub-score

Asset quality is stable: Adjusted NPL 2.69%, Texas Ratio 17.3%, NCO YTD -0.51%.

Adjusted NPL
2.69%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
-0.51%
30-89 PD
3.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.69% (govt-guarantees stripped).

Reserves

RiskQoQ 0
6
Sub-score

Reserves are weak: ALLL 0.68% of loans, coverage 25.5%, true coverage 15.7%.

ALLL / Loans
0.68%
Coverage
25.5%
True Loss Coverage
15.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.68% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 11:26:23 UTC