Walden Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Walden Savings Bank is an FDIC-insured savings institution headquartered in Montgomery, NY, established in 1872 (FDIC certificate 15987), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.02B, up 8.0% from Q2 2025, the 52nd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 15987
- Headquarters
- Montgomery, NY
- Established
- 1872
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 14.49%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 221971316
- Latest call report
- Q2 2026, FFIEC 051 · Walden Savings Bank call report
- Asset rank in state
- 52nd of 105 in New York
Problem loans are rising at Walden Savings Bank. Its balance sheet stood at $1.0 billion at June 30, 2026, up 8.0% from a year earlier; it is based in Montgomery, New York. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.32% a year earlier. It pays an average of 1.25% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also grew its loan book 13.9% over the year, 2.4 times the median of 5.9% for banks its size.
Net income for the quarter slipped 11% from a year earlier, to $2.3 million. Over the same year, loans grew 13.9% and deposits grew 2.1%. Credit is the area to watch: it carries problem assets equal to 8.2% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, Walden Savings Bank reported a CET1 capital ratio of 14.49%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 8.15%. The figures come from its call report filed with the FFIEC.
Walden Savings Bank ranks as the 52nd largest of the 105 banks based in New York, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.4% to $1.02B, loans rose 4.8% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.5% of total loans, ahead of owner-occupied commercial real estate loans at 16.1%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities in NY; its Montgomery 2 offices book 23% of its branch deposits. On its Q2 2026 call report, Walden Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 Scotts Corner Dr, Montgomery, NY 12549
- County
- Orange
- Metro Area
- Kiryas Joel-Poughkeepsie-Newburgh, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1872
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $819.6M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $114K
- Average total assets
- $1.01B
- Average total loans
- $778.3M
- Average interest-bearing deposits
- $643.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 15987
- Fed RSSD
- 341310
- Website
- www.waldensavings.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Walden Savings Bank's total assets ranged from $862.9M (Q3 2023) to $1.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.02B total assets against $945.0M; $926.6M total liabilities against $864.5M.
$788.8M net loans and leases against $692.9M; $819.6M total deposits against $802.9M.
$147.8M securities against $176.6M; $25.3M cash and balances due against $22.5M.
$12.3M total interest income against $11.0M; $2.8M total interest expense against $2.8M.
$9.5M net interest income against $8.2M.
$2.2M total noninterest income against $1.6M; $7.6M total noninterest expense against $6.6M.
$1.2M provision for credit losses against -$25K.
$2.3M net income against $2.6M.
0.91% return on assets against 1.09%; 3.97% net interest margin against 3.66%.
14.49% CET1 capital ratio against 14.76%; 10.19% tier 1 leverage ratio against 9.83%.
Inside the full Walden Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWalden Savings Bank rankings
Its closest position to the top of a national ranking is 816 of 3,640, for Texas Ratio; its furthest is 2,686 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q4 2024) to 1.09% (Q1 2026) and its net interest margin ran from 3.33% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.49% | 0.91% | 1.05% | 8.15% | 3.97% |
| Q1 2026 | 14.89% | 1.09% | 0.54% | 4.54% | 3.87% |
| Q4 2025 | 14.82% | 0.91% | 0.51% | 4.28% | 3.90% |
| Q3 2025 | 14.92% | 1.05% | 0.47% | 3.67% | 3.77% |
| Q2 2025 | 14.76% | 1.09% | 0.32% | 2.54% | 3.66% |
| Q1 2025 | 14.76% | 0.97% | 0.31% | 2.51% | 3.52% |
| Q4 2024 | 14.62% | 0.28% | 0.32% | 2.61% | 3.40% |
| Q3 2024 | 14.73% | 0.77% | 0.53% | 4.22% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Walden Savings Bank (main office) | Montgomery , NY | 12549 | $132.0M |
| Pine Bush Branch | Pine Bush , NY | 12566 | $130.4M |
| Washingtonville Branch | Washingtonville , NY | 10992 | $88.2M |
| Cornwall Branch | Cornwall On The Hudson , NY | 12520 | $79.7M |
| Walden Branch | Walden , NY | 12586 | $75.6M |
| Florida Branch | Florida , NY | 10921 | $66.4M |
| Circleville Branch | Circleville , NY | 10919 | $64.1M |
| Montgomery Branch | Montgomery , NY | 12549 | $58.3M |
| Gardiner Branch | Gardiner , NY | 12525 | $52.0M |
| New Windsor Branch | New Windsor , NY | 12553 | $46.6M |
| Middlehope Branch | Newburgh , NY | 12550 | $26.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 84 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Walden Savings Bank
What are Walden Savings Bank's total assets?
As of the Q2 2026 filing, Walden Savings Bank reported total assets of $1.02 billion in its FFIEC call report.
Where is Walden Savings Bank headquartered?
It is headquartered in Montgomery, NY, United States.
When was Walden Savings Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Walden Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #15987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Walden Savings Bank?
Walden Savings Bank's primary federal regulator is the OCC.
What is Walden Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Walden Savings Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Walden Savings Bank's Texas Ratio?
Its Texas Ratio is 8.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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