C
Walden Savings Bank
Rating Date
June 2025
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Major Rating Factors: Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.6. A current level of 2.2 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.8).
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 (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability.
Asset Mix: Home mtgs (32%), comm re (20%), securities (20%), comm loans (9%), home eq lns (3%), cash (2%), consumer loans (0%), other (14%)
States with Branches: NY
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Investment Rating
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Address
15 Scott's Corners Drive
Montgomery, NY 12549
Phone Number
(845) 457-7700
Year Founded
1872
FDIC Number
Largest Affiliates
No affiliate information available.