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Walden Savings Bank
Montgomery, NY · FDIC Certificate #15987 · Chartered 04/0
Total assets
$1.02B
Total deposits
$819.58M
Total equity
$93.71M
Net loans
$788.81M
Branches (offices)
11
Net income (YTD)
$4.98M
Rank: #1,029 of 4,213 U.S. banks by assets · #58 of 115 in New York. Assets changed 8.0% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 10.94% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 9.18% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 14.8% |
| Noncurrent loans (share of loans) | 1.05% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 96.2% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $693.04M | 87.9% | |
| Commercial & industrial | $102.53M | 13.0% | |
| Consumer / individual | $2.41M | 0.3% | |
| Construction & development | $64.99M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $833.18M | $770.52M | $2.21M | $56.70M |
| Jun 2023 | $856.99M | $758.96M | $3.00M | $58.63M |
| Jun 2024 | $898.25M | $796.94M | $3.14M | $68.17M |
| Jun 2025 | $944.95M | $802.87M | $4.86M | $80.43M |
| Jun 2026 | $1.02B | $819.58M | $4.98M | $93.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $819.58M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $819.58M.
Similar-sized banks
First Service Bank ($1.02B) · Olympia Federal Savings And Loan Association ($1.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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