🏦Bank Scorer

WALDEN SAVINGS BANK

MONTGOMERY, NY · Supervised by FDIC

Est. 1872FDIC #15,987RSSD: FDIC-15987
Satisfactory Same

Current rating · Exam: March 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

15 Scotts Corner Dr, MONTGOMERY, NY

County

Orange County

Established

April 1, 1872

Total Assets

$977M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$977M

Total Deposits

$805M

Net Loans

$753M

Net Income

$3M

ROA

1.10%

ROE

11.96%

Risk-Based Capital

16.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.60%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$803M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202425070%3.60%
202338569.35%4.42%
202247463.08%7.59%
202163566.46%8.98%
202080166.17%6.24%
201954569.91%6.06%
201851764.6%8.51%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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