Walden Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.95 percentage points in Q2 2026, from 166.74% to 177.69%. It was the largest change from Q1 2026 among the key lines here. Within New York, Walden Savings Bank is 20th of 105 on loan-to-deposit ratio, 97.39% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Walden Savings Bank sits 9.18 points higher, at 97.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $798.2M |
| Net loans and leases | $788.8M |
| Loans held for sale | $312K |
| Loans to total assets | 78.23% |
| Loan-to-deposit ratio | 97.39% |
| Net loans to equity capital | 8.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.65% |
| Multifamily (5+ residential) | 3.28% |
| Commercial and industrial | 12.85% |
| Consumer | 0.30% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.69% |
| Construction concentration (Tier 1 capital + allowance) | 58.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.72% |
| Interest income on loans | $11.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $588.2M | $762.8M | 28.24% | 10.96% | 0.44% |
| Q4 2023 | $608.9M | $751.4M | 29.89% | 11.26% | 0.42% |
| Q1 2024 | $621.6M | $769.2M | 30.19% | 11.31% | 0.40% |
| Q2 2024 | $634.9M | $796.9M | 29.62% | 11.44% | 0.66% |
| Q3 2024 | $655.7M | $793.5M | 28.51% | 12.57% | 0.36% |
| Q4 2024 | $667.8M | $799.4M | 27.65% | 12.17% | 0.33% |
| Q1 2025 | $680.6M | $798.6M | 27.11% | 11.73% | 0.32% |
| Q2 2025 | $700.6M | $802.9M | 27.91% | 11.68% | 0.29% |
| Q3 2025 | $716.3M | $808.4M | 27.76% | 10.83% | 0.30% |
| Q4 2025 | $742.1M | $820.0M | 29.52% | 12.58% | 0.28% |
| Q1 2026 | $761.4M | $804.6M | 29.02% | 13.00% | 0.31% |
| Q2 2026 | $798.2M | $819.6M | 29.65% | 12.85% | 0.30% |
Walden Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Walden Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Walden Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15987) · FFIEC NIC profile (RSSD 341310)