Walden Savings Bank
Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 10.0. A current level of 3.3 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (33%), comm re (21%), securities (18%), comm loans (8%), home eq lns (3%), cash (2%), consumer loans (0%), other (15%)
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
No affiliate information available.