BanksWALDEN SAVINGS BANK

WALDEN SAVINGS BANK

MONTGOMERY, NYMediumEst. April 1, 1872, midnightFDIC #15987RSSD #341310OCC
Latest · 2025-12-31

WALDEN SAVINGS BANK is an 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%. CET1 capital ratio: 14.82%, well above regulatory minimums. NPL ratio: 0.51% · Texas Ratio: 4.28%. Operates 11 domestic branches.

Assets
$968M
Deposits
$820M
Loans
$742M
Equity
$88M

Profitability

Return on Assets (ROA)0.90%
Return on Equity (ROE)10.05%
Net Interest Margin4.01%
Yield on Assets5.22%
Cost of Funds1.23%

Asset Quality

NPL Ratio0.51%
Net Charge-Off Ratio0.01%
Texas Ratio4.28%
NPA Ratio0.43%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio14.82%
Tier 1 Capital14.82%
Total Capital Ratio16.07%
Leverage Ratio10.16%
Loan-to-Deposit90.50%

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