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Walden Savings Bank

Montgomery, NY
IDRSSD: 341310
Total Assets
$956.81M
Latest filing
Total Deposits
$808.35M
Latest filing
Net Interest Margin
3.84%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassFederal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS
Primary RegulatorOCC
Established Date04/01/1872
Community BankYes
Ownership TypeMutual
ZIP12549
State and County Number36071
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code34
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NamePoughkeepsie-Newburgh-Middletown, NY

Operational Info

Number of Employees138
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF
Websitewww.waldensavings.bank
Data Updated11/14/2025
CERT15987
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$956.81M
Total Deposits$808.35M
Total Liabilities$872.08M
Total Equity Capital$84.72M
Net Income$2.52M
Net Loans and Leases$708.50M
Assets Per Employee ($Millions)$7.04M
Bank Premises and Fixed Assets$10.14M
Cash and Balances due from Depository Institutions$21.54M
Deposits Held in Domestic Offices$808.35M

Key Performance Ratios

Return on Assets (ROA)1.06%
Return on Equity (ROE)12.21%
Net Interest Margin3.84%
Efficiency Ratio67.56%
Tier 1 Risk-Based Capital Ratio14.924%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.855%
Earning Assets to total Assets93.86%

Income and Expense

Total Interest Income$11.34M
Total Noninterest Income$1.72M
Total Interest Expense$2.77M
Total Noninterest Expense$6.95M
Net Interest Income$8.57M
Pre-tax Net Operating Income$3.15M
Provision for Credit Losses$192.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$54.81M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$8.92M
Total Liabilities and Capital$956.81M

Securities

Securities$173.30M
Available-for-sale debt securities$173.27M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$27.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Walden Savings Bank?
$956.81M as of the latest filing.
How much are Walden Savings Bank's total deposits?
$808.35M in total deposits.
Where is Walden Savings Bank located?
Montgomery, NY.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
11.
When was it established?
04/01/1872.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$708.50M (latest filing).
What is the total interest income (latest filing)?
$11.34M.