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Walden Mutual Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
50
/ 100
WatchAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #5787418 2026-Q1 Vital Signs Score: 50/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 7.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 8.2% (regulatory soft-warning level 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.2%, cash 0.9% of assets.

Cash / Assets
0.91%
Loans / Deposits
81.22%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.91% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.15%
No watch items at this period.

Capitalization

RiskQoQ -8
37
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.47%

Watch Items

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

Asset Quality

WatchQoQ +3
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.98%, Texas Ratio 68.9%, NCO YTD 0.29%.

Adjusted NPL
7.98%
Govt-guarantees stripped
Texas Ratio
68.9%
NCO YTD
0.29%
30-89 PD
2.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.98% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 68.9% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ +3
5
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 8.2%, true coverage 7.1%.

ALLL / Loans
0.65%
Coverage
8.2%
True Loss Coverage
7.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 8.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 7.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% 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