Walden Savings Bank
Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.3 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.6). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Home mtgs (33%), comm re (23%), securities (14%), comm loans (10%), home eq lns (3%), cash (2%), consumer loans (0%), other (14%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
15 Scott's Corners Drive
Montgomery, NY 12549
Montgomery, NY 12549
Phone Number
(845) 457-7700
Year Founded
1872
FDIC Number
Website
Largest Affiliates
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