# SAVINGS BANK OF WALPOLE
WALPOLE, NH · FDIC certificate 18030 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $857.9M | |
| Deposits | $784.5M | |
| Loans and leases | $641.7M | |
| Total equity | $66.0M | |
| Loans / deposits | 80.99% (p48 of band) | 82.04% |
| Liquid assets / assets | 22.92% (p43 of band) | |
| Uninsured deposits / deposits | 17.00% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.05% (p24 of band) | |
| FHLB advances / assets | 0.05% | |
| Tier 1 leverage | 8.66% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -18.73% (p25 of band) | -8.10% |
| AOCI / equity | -1.20% (p18 of band) | |
| ROA (annualized) | 0.85% (p24 of band) | 1.28% |
| Net interest margin | 4.04% (p57 of band) | 3.91% |
| Efficiency ratio | 72.53% (p78 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | -0.04% (p2 of band) | |
| Reserve coverage of noncurrent | 380.60% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 35.45% (p43 of band) | |
| Auto loans | $997,000 (0.16% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 122 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  | expense ratio p90 |
| 2012-09 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 2 | NIM <2.5% | reserve under noncurrent |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 2 |  | NIM <2.5% |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | leverage <7% |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling, leverage <7% |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling, expense ratio p90 | charge-offs p90 |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 1 |  | capital falling, expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Savings Bank of Walpole announces recipients of Julie Tewksbury Scholarship for Working Moms - Brattleboro Reformer](https://news.google.com/rss/articles/CBMihwJBVV95cUxPUWNJTGNrQVF0TjNIVzRvN014Z2NwWHpWa0pSNnkxWXFvV0Rud01wT0V5RWhOSWdMMGRXaWNBeFNqMjFNUktoajhkdlZydkNhTGowTGRka3NOWm9tUDcwWDhDUFBjY3ZmZVdDZjBVS2pYRS15SG1ZU3JqWDVjbmRmQV9fU1l3Nzh4UHJWRV9pV05nZng1cDNkOWF6WGtFSEx4VVhsVEJURlBiTE5EcmFZbFVVS1pPaGJmRFNMVndTbVV2WjRoRWZKbEoxajJibXEyRno2ci1TSTZkcXctWDRqV1NoTDVmMWU1blJkLUZJMjBpMWpmOGtTUS1QTy1Ib0hIdmx6alRjOA?oc=5) · Brattleboro Reformer
- 2026-09-09 [Man sentenced to prison for spree of 14 bank robberies in Connecticut, Massachusetts, Vermont, New Hampshire - Fall River Reporter](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWk5RRFUyRjE3NE5jNDgzRFRrQmQ4emUxVm1EVE1wT25SeU0yekxwc1NLWDVkWWlCS0JjRHJURC1ycVg3SUVSejdlVmh1ZjI5OVMyS3czaXg2V3NCZTBPd09zYXRnTlRuNEY1LUdxMzN4Q0g4Ym5ULW5Ub0xhWmU3amlwYWN4aWIzNHk5QjZLTVA4VkFaYmVNaDVKTjR4T2pqLXVmZWZpdUJpLWxqazJLc0E5dmx2R29aY09OYko1R2RYb2ZNVWp3VmNMczR1MHF6RXc?oc=5) · Fall River Reporter
- 2026-06-22 [Savings Bank of Walpole hires Nicholas Whalen - Monadnock Ledger-Transcript](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WQ3NvTEcyQllKeWFWQ1JIeElTUFA1TmoxbHNjV2VLNWhaWWFlNDQtUFNoWWJfUERMUFQwX2pDNGdXZU5fRTl1UkxCazR1dGtrS2pmcjJ3MXE1ZUZoc1Y4TGpydnI5YzJITDJaS1owdkpkWXZZSnczVFhwbTI?oc=5) · Monadnock Ledger-Transcript
- 2026-07-22 [Savings Bank of Walpole: 150 Years of Community Banking in the Monadnock Region - mykeenenow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNbUVweW1xeC1MQ1hVUzBQdDRCSHpnMUdzRGJaNF9pTFVoNWFVRld2MDZIWThHSmozbHY1UEx1cHBTN2NCaGZZeEVSQ2V3NFNtaXhpZ2lLdHp6YU1Xc3dIZEFNLTFhbnM1azVWa2M0Z2pNLUpBaDQzc2VKbnptRlJqcktFcVJDeGRfblBCT1hjbkRSRS1jUXBtRl9iNlZIb19ScE5MdW8zaHdZUW9CN2prQzdGWGs?oc=5) · mykeenenow.com
- 2025-12-14 [Savings Bank of Walpole named Best Bank to Work For - vermontjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcHRocW0xbHVCZzV4dlVUSE5tT0hVeFVYREJUNE82ekhxRWpNSXhYQ0U4dDhlTjlvMERtOHNTUWpPRlRiQXA1M1pHUjJjeWZ0MnZHeUtBLWEwbVgyOW1LLVhFV204ekQ5T0lCRE1UZm1zUkE0T1loUXY2NkVZMlE3U0JVVUZvNGE5M28tbGN5ZnZBdw?oc=5) · vermontjournal.com
- 2026-07-27 [Diane Gallion retires from Savings Bank of Walpole after 34 years - Brattleboro Reformer](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNZnhmZlRtNnA3MWMxMC1UeE9uOHdDdTNnWVg1ZTJTdm84Mi1PX0FGZTYwUzNPVE1wWFBhRjVFRDk4VGRnOFJvS0pLTUpSWVBsS2ZrcFR0M1V1S0tpc29TWFEwRTV2aENVRUtjNG0yR2h1WGRoQ2x6U3pSeWpfSzNQUk1fVm8wcHpYUUhWdlJXb1NIQTVuNTk5ai1tSUVtamhTTEluWGVVRnJIR1oyeVIxb2dTcll0RFNHUDBfSXJDM1I2eDZ5d1lVaEhwaHdiVnU5LTNmazdvTk9hWTR4UXhZMlMyVQ?oc=5) · Brattleboro Reformer
- 2026-03-09 [Thomaston Savings Bank joins Mutuals Matter Association - The Bristol Edition](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUU5lSmZsa2dOOU8yQnFrdXJXcXBBWVhzM2Z2VXZUTUtBZ2I5eFVSd0pVeWNCTUhzcloxcXFmWUxHSml4YnBFXzhzS0V0NU9IUUhnTlBwNU0xSVRYUS03aXk2WjRwSXN1MkVOMGxnYzdJNjBkTXpNbEg1d1FEWW85R1pMcEtlNGtFLV8tbWlxQ0o1NGE4cWt6aHNR?oc=5) · The Bristol Edition
- 2025-07-22 [Savings Bank of Walpole 150th Anniversary Proclamation- July 2nd, 2025 - City of Keene (.gov)](https://news.google.com/rss/articles/CBMimgFBVV95cUxQWWlNbHJieUd3enJPM1NKaFFBdWxhWnJOLWdGUUwwb0RqT1k2cGhDbmVvR0x4WWdXTXJ4MlJ5Qi1hV3dKaVhqeWJjSWRGendoV0JINnNSSG5GUTRZT2ctY2Y1eVpWTkRFQ1NYREVVTlNlRGJvc0VUZ2gyZ05GSER3OEl1U2QyRmdQZnJvNjNwZVJ1QzR3Z0lWdGZ3?oc=5) · City of Keene (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18030 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "18030", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide