What is Walden Savings Bank's financial health grade?

Walden Savings Bank has a TFS Financial Health Grade of C (score: 76.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Walden Savings Bank have?

Walden Savings Bank has 11 branch locations across the United States.

Is Walden Savings Bank FDIC insured?

Yes, Walden Savings Bank is FDIC insured (Certificate #15987).

What are the total assets of Walden Savings Bank?

Walden Savings Bank has total assets of $968.3M as reported in its most recent FDIC filing.

Walden Savings Bank

BankMontgomery, New York

www.waldensavings.bank

Total Assets

$968.3M

Total Deposits

$820.0M

Branches

Established

1872

TFS Health Grade

76.5 / 100

Average financial health

How we grade

Walden Savings Bank is a bank headquartered in Montgomery, New York, established in 1872. With $968.3M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (76.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.16%(8%)

Total Capital Ratio

16.07%(10%)

Non-Performing Loan Ratio

0.51%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

11.84%(10%)

Net Interest Margin

3.79%

Efficiency Ratio

67.44%(60%)

Lending & Liquidity

Total Loans

$742.1M

Loan-to-Deposit Ratio

89.52%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+5.89%

Deposit Growth (YoY)

+2.58%

Net Income

$9.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Walden Savings BankHQ	15 Scotts Corner Dr	Montgomery	NY	11
Walden Savings Bank	2108 Route 302	Circleville	NY	11
Walden Savings Bank	321 Hudson St	Cornwall On The Hudson	NY	11
Walden Savings Bank	95 N Main St	Florida	NY	11
Walden Savings Bank	2356 State Route 44/55	Gardiner	NY	11
Walden Savings Bank	21 Union St	Montgomery	NY	11
Walden Savings Bank	5239 Route 9w North	Newburgh	NY	11
Walden Savings Bank	213 Quassaick Ave	New Windsor	NY	11
Walden Savings Bank	50 Boniface Dr	Pine Bush	NY	11
Walden Savings Bank	2 Bank St	Walden	NY	11
Walden Savings Bank	127 E Main St	Washingtonville	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.