Headquartered in Montgomery, New York, Walden Savings Bank is a savings bank with $1.0B in total assets and $819.6M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1872.
Based on its Q2 2026 filing, Walden Savings Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 69th. Its strongest component is problem-loan coverage (84/100; 8.2%), and its lowest is capital cushion (52/100; 10.19%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (70 → 62), mostly because the loan quality component weakened by 24 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.42% |
| Q3 2024 | 9.46% |
| Q4 2024 | 9.29% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.83% |
| Q3 2025 | 9.97% |
| Q4 2025 | 10.16% |
| Q1 2026 | 10.23% |
| Q2 2026 | 10.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.54% |
| Q2 2026 | 1.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.0B | 10.19% | 1.05% | 1.01% | 96.2% |
| Q1 2026 | 68 | $977.3M | 10.23% | 0.54% | 1.10% | 93.6% |
| Q4 2025 | 68 | $968.3M | 10.16% | 0.51% | 1.01% | 89.5% |
| Q3 2025 | 69 | $956.8M | 9.97% | 0.47% | 1.05% | 87.6% |
| Q2 2025 | 70 | $945.0M | 9.83% | 0.32% | 1.05% | 86.3% |
| Q1 2025 | 69 | $925.7M | 9.61% | 0.31% | 0.99% | 84.3% |
| Q4 2024 | 65 | $914.4M | 9.29% | 0.32% | 0.62% | 82.5% |
| Q3 2024 | 65 | $926.8M | 9.46% | 0.53% | 0.73% | 81.7% |
| Q2 2024 | 64 | $898.3M | 9.42% | 0.55% | 0.71% | 78.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Central Savings BankBank Glen Cove, NY | 57 out of 100, Moderate | $1.0B | 10.3% | 1.19% | vs |
| Amerasia BankBank Flushing, NY | 78 out of 100, Strong | $1.1B | 15.1% | 1.59% | vs |
| Solvay BankBank Solvay, NY | 67 out of 100, Moderate | $1.2B | 9.5% | 0.11% | vs |
| Genesee Regional BankBank Rochester, NY | 72 out of 100, Strong | $1.3B | 11.0% | 0.59% | vs |
| Greene County Commercial BankBank Catskill, NY | 73 out of 100, Strong | $1.3B | 10.1% | 0.00% | vs |
| Ballston Spa National BankBank Ballston Spa, NY | 55 out of 100, Moderate | $1.4B | 8.7% | 0.23% | vs |
Deposit insurance
Is my money safe at Walden Savings Bank?
Yes. Walden Savings Bank is an FDIC-insured institution (FDIC certificate #15987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.8% of deposits ($121.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.74% (benchmark: 10%).
11 locations
Branches
Walden Savings Bank lists 11 offices in 10 cities. Most locations:
- Montgomery, NY (2)
- Circleville, NY (1)
- Cornwall On The Hudson, NY (1)
- Florida, NY (1)
- Gardiner, NY (1)
- Newburgh, NY (1)
- New Windsor, NY (1)
- Pine Bush, NY (1)
- Walden, NY (1)
- Washingtonville, NY (1)
Identity & history
Profile
- Legal name
- Walden Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 15987
- RSSD ID
- 341310
- Primary regulator
- OCC
- Established
- April 1, 1872
- Headquarters
- 15 Scotts Corner Dr, Montgomery, NY 12549
- Website
- www.waldensavings.bank
- Employees
- 137
Quick answers
Walden Savings Bank: common questions
Is Walden Savings Bank FDIC insured?
Yes. Walden Savings Bank is an FDIC-insured institution (FDIC certificate #15987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Walden Savings Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Walden Savings Bank ever failed?
There is no failure record for FDIC certificate #15987 in the FDIC failed bank list.
How many branches does Walden Savings Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Montgomery
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| First Federal Savings of MiddletownBank Middletown, NY | 89 out of 100, Very strong | $188.0M | 36.9% | 0.00% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |