# WALDEN SAVINGS BANK
MONTGOMERY, NY · FDIC certificate 15987 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.02B | |
| Deposits | $819.6M | |
| Loans and leases | $798.2M | |
| Total equity | $93.7M | |
| Loans / deposits | 96.25% (p78 of band) | 87.10% |
| Liquid assets / assets | 16.97% (p32 of band) | |
| Uninsured deposits / deposits | 14.78% (p9 of band) | 30.76% |
| Brokered deposits | 2.41% | |
| Wholesale funding | 11.83% (p71 of band) | |
| FHLB advances / assets | 9.42% | |
| Tier 1 leverage | 10.19% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -12.00% (p35 of band) | -7.75% |
| AOCI / equity | 0.38% (p91 of band) | |
| ROA (annualized) | 1.01% (p31 of band) | 1.26% |
| Net interest margin | 3.98% (p67 of band) | 3.70% |
| Efficiency ratio | 65.49% (p70 of band) | |
| Noncurrent loans | 1.05% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 111.22% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 69.35% (p71 of band) | |
| Auto loans | $975,000 (0.12% of loans; DQ 0.00%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 137 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | capital falling | noncurrent p90 |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-05-02 [Old clock, new services at Walden Savings Bank 150-year celebration - www.warwickadvertiser.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQTmp2aTBaa0tycXpmOGZXWmxHbmpZYXFiaGFSSWlfb01MTlk5SmphMElYSVh5dFNLVkFqaHNvUk5tc0dyWE8xRDFEOUVnbnp0WnZBSTVQNXQ5SHZncV9Lc3dDSC12QjI2bGtVTWxDQXNRcjA2clJJZUR0NHBLUGQxSVlZUUFsU3lJcG9fcGgzTEV6WHdxVFpKWnY0V2ZSSGppeXpybk91ck5TUE1IQ2NERDN2QkZ6QUtvdWptNzdKWmdjdw?oc=5) · www.warwickadvertiser.com
- 2022-06-01 [Walden Savings Bank Hires Melissa Blough - Hudson Valley Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdkQzZ29OamIyMWpVdFZUYm1TT2xGX3BGcDVWWlFFSV9RdUZKWTRhS09lbWJtSXNla3VUVWE0N1pWOXJfSzF2VUtzb2NQS1ctOVRwSmdCV25pSXJqUE9QLTB4dUpXR05zNVI3UWl5aW0yRzgzRWRjbGx0cmhQMGhQMUZqcGZOcS0yWkE?oc=5) · Hudson Valley Press
- 2021-02-22 [Walden Savings Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxQX1RpZDlCV1VQdVpxcjBhYTk0TjNjbDh3aS1mcVp4UVNFS0l3R0FZdXhsLW5nVUNiSGhfbmktSGxHZlY2SXpnMy1KVkhCT19jWUdCT0NRUXNLZm5wNnFXbHh3MV9jWDNGVWRfWUY3WC1UY05lSVZtdlo1UW14NzIxYjRrd1llMms?oc=5) · SmartAsset
- 2023-09-10 [Newburgh Police Man Wanted In Connection To Walden Savings Bank Robbery - News12 | Westchester](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNaGRPbHdYX3pDdDFfN0tFWXhZR1dWdWlYSnVjTm1ZblRHNGZhS3dhR0UyNTlrVnlLXzc3TE4teXZzbzdZVThHOHBVOWlWZTVieWhleFVSbVBCNEg5dFlkMFdDX2EwN1NDSmswX183T0pSWFRhdk9Pay1uY2xpanY0T1RadGxrVV9VSUVrTm04c3BDMUtpbHdJd09icmNKQTN5MEowdF80cGd6dTNpMENEbXplYnpicm5fMDYtTzNQM2c3dnR3SWJNaWwxS3ZOZVdiaUE?oc=5) · News12 | Westchester
- 2023-07-02 [Walden Savings Bank honored for supporting acquisition - www.warwickadvertiser.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQdDYzRGMxMlVmLWI4Zk5oU0RudlFxMzJGcWhOWExaQWN1R19KSlRIMi1jdXRLZkRoVW5RRFM5YTNLYTNSeTVET3dlZ2NZZzRwSnB1QVhmU3lSS2NWSXNhanREX1hSRTItRm5UWDBMbVNsR1hWdnVlVTlWc0JWdzBlUXoybHdyY1I2QWZpa3o3alpzTGRyM0lFZXRwNnlMOU0wbzZZSWt0ck1MT2EtNEpJNFhB?oc=5) · www.warwickadvertiser.com
- 2019-03-20 [Village Of Walden Honors Walden Savings Bank - Hudson Valley Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxPamw5M3RXdHBqYmd5anhqeE16ajJNalNmd0JKUFlwcnhuT1ZJRVVWNGZ3XzE4cS1uMW00amZnM0J4Z2Y5aXlDMnlWLWpfazBmM2F1SVB1Zmg0eG90UUQxa29QN3hIOGEzLWZyQkpyS29La0ZtOUlXVGNsbTFwbkszRkhwd3cxT3hNUTRsR1p4UQ?oc=5) · Hudson Valley Press
- 2017-09-16 [PHOTO GALLERY: Cow milking competition - Times Herald-Record](https://news.google.com/rss/articles/CBMirgFBVV95cUxPV081UUlVS2JxU2RZamxONkFBVkFwcUZNQ21lTjJXSllIallVNUFYblFxU0MtRXI0Wk5OWmxRVHFWMlhWbWZRenQzdGxkbVpHR1JfR0phaWFTOEk1ZzRLLTdjd1JvLXRvMXFFQzJBY1BGS2d5R0lTeEZUREtqYS1WTWwzdm9laFduRDIxNlFCd2dnVC1tMVJlQ0kzTXZ5UmJQaVpiNUZZRFh4OVNoOGc?oc=5) · Times Herald-Record
- 2024-11-13 [Jacobowitz Joins Walden Savings Board of Directors - Hudson Valley Press](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSWhCdF84cUpRNWppbjNGbERadFNZbktGOTlTYzdPLXhWSXBDdGdUMDQ4b3lXU3hpOU9lWmtOSlVrc1lnMHpvbGlOV1dWakl6UWRrX0F1VV9Td1pJRmlqaHlFRDc4akZJQ3NCWHRHVE1OVzJMYkZPY00zREFRMlE4R0VWcjIxY3BKbURSUG1Qc2RWUFp0QU1N?oc=5) · Hudson Valley Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15987 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "15987", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide