Walden Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Walden Savings Bank of Montgomery, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.91% | 1.46% | -0.55% | 24th bottom |
| ROAE | 9.95% | 12.72% | -2.77% | 31st below |
| Net Interest Margin | 3.97% | 3.85% | +0.12% | 66th above |
| Efficiency Ratio | 64.98% | 57.40% | +7.58% | 31st below |
| PPNR / Avg Assets | 1.61% | 1.88% | -0.27% | 43rd below |
| Yield on Earning Assets | 5.14% | 5.72% | -0.58% | 26th below |
| Cost of Funds | 1.25% | 2.02% | -0.77% | 88th top |
| Net Interest Spread | 3.59% | 3.18% | +0.41% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 1.00% | +0.26% | 25th below |
| NPA / Total Assets | 0.99% | 0.76% | +0.23% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.31% | -0.14% | 53rd above |
| ACL / NPLs (Coverage) | 92.62% | 543.53% | -450.91% | 26th below |
| Texas Ratio | 9.79% | 7.39% | +2.40% | 25th below |
| Provision / NCO | 1254.39% | 618.31% | +636.08% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.49% | 17.34% | -2.85% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.49% | 17.37% | -2.88% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.74% | 18.42% | -2.68% | 66th above |
| Leverage Ratio | 10.19% | 11.44% | -1.25% | 42nd below |
| Equity / Assets | 9.18% | 11.34% | -2.16% | 25th below |
| TCE / Tangible Assets | 9.18% | 10.50% | -1.32% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.39% | 86.95% | +10.44% | 23rd bottom |
| Core Deposit Ratio | 94.90% | 85.55% | +9.35% | 85th top |
| Wholesale Funding Ratio | 9.42% | 5.70% | +3.72% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.97% | 9.68% | -1.71% | 68th above |
| Loan Growth (Y/Y) | 13.93% | 8.05% | +5.88% | 84th top |
| Deposit Growth (Y/Y) | 2.08% | 7.87% | -5.79% | 30th below |
See Walden Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Walden Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Walden Savings Bank profile, how to read a UBPR, or how this data updates.