Walden Savings Bank
Montgomery, NY
IDRSSD: 341310
Total Assets
$968.29M
Latest filing
Total Deposits
$820.02M
Latest filing
Net Interest Margin
3.93%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221971316MONTGOMERY, NY
Key People
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Locations
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Main Office
Walden Savings Bank
15 Scotts Corner Dr
Montgomery, NY 12549
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/01/1872FDIC Certificate 10218
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Walden Savings Bank (Main) | 15 Scotts Corner Dr | Montgomery, NY |
| WASHINGTONVILLE BRANCH | 127 E Main St | Washingtonville, NY |
| MONTGOMERY BRANCH | 21 Union St | Montgomery, NY |
| CORNWALL BRANCH | 321 Hudson St | Cornwall On The Hudson, NY |
| PINE BUSH BRANCH | 50 Boniface Dr | Pine Bush, NY |
| GARDINER BRANCH | 2356 State Route 44/55 | Gardiner, NY |
| NEW WINDSOR BRANCH | 213 Quassaick Ave | New Windsor, NY |
| WALDEN BRANCH | 2 Bank St | Walden, NY |
Showing 7 of 10
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 Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 04/01/1872 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 12549 |
| State and County Number | 36071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Poughkeepsie-Newburgh-Middletown, NY |
Operational Info
| Number of Employees | 136 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.waldensavings.bank |
| Data Updated | 01/30/2026 |
| CERT | 15987 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $968.29M |
| Total Deposits | $820.02M |
| Total Liabilities | $879.91M |
| Total Equity Capital | $88.38M |
| Net Income | $2.17M |
| Net Loans and Leases | $734.10M |
| Assets Per Employee ($Millions) | $7.39M |
| Bank Premises and Fixed Assets | $9.90M |
| Cash and Balances due from Depository Institutions | $23.33M |
| Deposits Held in Domestic Offices | $820.02M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 10.05% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 64.68% |
| Tier 1 Risk-Based Capital Ratio | 14.824% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.127% |
| Earning Assets to total Assets | 94.02% |
Income and Expense
| Total Interest Income | $11.55M |
| Total Noninterest Income | $1.78M |
| Total Interest Expense | $2.67M |
| Total Noninterest Expense | $6.90M |
| Net Interest Income | $8.88M |
| Pre-tax Net Operating Income | $3.41M |
| Provision for Credit Losses | $355.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $370.00k |
| Other borrowed funds | $50.47M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.42M |
| Total Liabilities and Capital | $968.29M |
Securities
| Securities | $158.13M |
| Available-for-sale debt securities | $158.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $25.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Walden Savings Bank?
$968.29M as of the latest filing.
How much are Walden Savings Bank's total deposits?
$820.02M in total deposits.
Where is Walden Savings Bank located?
Montgomery, NY.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
11.
When was it established?
04/01/1872.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$734.10M (latest filing).
What is the total interest income (latest filing)?
$11.55M.