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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
51
/ 100
WatchAs of 2025-Q4QoQ -3

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

Quarterly Headline

2025-Q4

Bank #5787418 2025-Q4 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 5.8% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +3
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.5%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
83.46%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.38% of assets (threshold 3%).

Securities

StrongQoQ +3
100
Sub-score

Securities profile is strong: securities 17.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.40%
No watch items at this period.

Capitalization

WatchQoQ -5
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.39%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.39%

Watch Items

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

Asset Quality

RiskQoQ -7
38
Sub-score

Asset quality is weak: Adjusted NPL 9.65%, Texas Ratio 75.7%, NCO YTD 0.01%.

Adjusted NPL
9.65%
Govt-guarantees stripped
Texas Ratio
75.7%
NCO YTD
0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
4.99%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.65% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 75.7% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 4.99%.

Reserves

RiskQoQ -6
2
Sub-score

Reserves are weak: ALLL 0.56% of loans, coverage 5.8%, true coverage 5.1%.

ALLL / Loans
0.56%
Coverage
5.8%
True Loss Coverage
5.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 5.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.56% 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