WALDEN SAVINGS BANK

MONTGOMERY, NY | Medium | Est. April 1, 1872, midnight | FDIC #15987 | RSSD #341310 | OCC
Latest Report: 2025-12-31

WALDEN SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in MONTGOMERY, NY, established in April 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $968M and total deposits of $820M. Profitability stands at 0.90% ROA and 10.05% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 14.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 4.28%. FDIC Certificate #15987.

Assets

$968M

Deposits

$820M

Loans

$742M

Equity

$88M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 10.05%
Net Interest Margin (NIM) 4.01%
Yield on Assets 5.22%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.28%
NPA Ratio 0.43%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 14.82%
Tier 1 Capital 14.82%
Total Capital Ratio 16.07%
Leverage Ratio 10.16%
Loan-to-Deposit 90.50%

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