Walden Savings Bank

15 Scotts Corners Drive
Montgomery, NY 12549
(845) 457-7700
www.waldensavingsbank.com

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Walden Savings Bank is headquartered in Montgomery and is the 94^th largest bank in the state of New York. It is also the 1,594^th largest bank in the nation. It was established in 1872 and as of September of 2011, it had grown to 139 employees at 11 locations. Walden Savings Bank has a 3-star health rating.

Walden Savings Bank Routing Number: 221971316

1.60% 11-Month CD At Walden Savings Bank In New York State (Forum) - 7/8/2010

Walden Savings Bank is offering a special CD rate that's quite competitive: 1.60% APY 11-month CD or IRA CD $1,000 minimum Listed as of 7/8/2010 in the bank's rate sheet A branch visit appears to be necessary to open an account. Branches are located

2.00% 5-Month CD & 2.25% 10-Month CD at Walden Savings Bank in New York - Local Only - 9/9/2009

Walden Savings Bank is offering two competitive CD specials: a 2.00% APY 5-month CD and a 2.25% APY 10-month CD. Minimum deposit is $1,000. These rates are listed in the bank's deposit rate sheet as of 9/09/09.It appears a branch visit is required to...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Walden Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.35%	$50k	-	Advantage Checking
0.20%	$5k	-	College Advantage Checking
0.20%	$5k	-	Super Now Checking
0.20%	-	-	Club Account Checking
0.20%	$5k	-	Business Super Now Checking

Walden Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$50k	-	Advantage Savings
0.25%	$5k	-	IOLA
0.25%	$50	-	Statement Savings
0.25%	$50	-	Business Statement Savings
0.20%	$50	-	Passbook Savings
0.20%	-	-	School Savings
0.20%	$50	-	Business Passbook Savings

Walden Savings Bank Money Market Rates

Apy	Min	Max	Product
0.45%	$50k	-	Money Market
0.45%	$50k	-	Business Money Market

Walden Savings Bank CD Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month CD
1.75%	$1k	-	Business 60 Month CD
1.65%	$1k	-	48 Month CD
1.65%	$1k	-	Business 48 Month CD
1.45%	$1k	-	36 Month CD
1.45%	$1k	-	Business 36 Month CD
1.20%	$1k	-	30 Month CD
1.20%	$1k	-	Business 30 Month CD
1.05%	$1k	-	24 Month CD
1.05%	$1k	-	Business 24 Month CD
0.90%	$1k	-	18 Month CD
0.90%	$1k	-	Business 18 Month CD
0.70%	$1k	-	12 Month CD
0.70%	$1k	-	Business 12 Month CD
0.45%	$1k	-	182 Day CD
0.45%	$1k	-	7 Month CD
0.45%	$1k	-	9 Month CD
0.45%	$1k	-	Business 182 Day CD
0.45%	$1k	-	Business 7 Month CD
0.45%	$1k	-	Business 9 Month CD
0.25%	$1k	-	91 Day CD
0.25%	$1k	-	Business 91 Day CD

Walden Savings Bank IRA Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month IRA
1.75%	$1k	-	60 Month Roth IRA
1.75%	$1k	-	60 Month CESA
1.65%	$1k	-	48 Month IRA
1.65%	$1k	-	48 Month Roth IRA
1.65%	$1k	-	48 Month CESA
1.45%	$1k	-	36 Month IRA
1.45%	$1k	-	36 Month Roth IRA
1.45%	$1k	-	36 Month CESA
1.20%	$1k	-	30 Month CESA
1.20%	$1k	-	30 Month IRA
1.20%	$1k	-	30 Month Roth IRA
1.05%	$1k	-	24 Month IRA
1.05%	$1k	-	24 Month Roth IRA
1.05%	$1k	-	24 Month CESA
0.90%	$1k	-	18 Month IRA
0.90%	$1k	-	18 Month Roth IRA
0.90%	$1k	-	18 Month CESA
0.70%	$1k	-	12 Month IRA
0.70%	$1k	-	12 Month Roth IRA
0.70%	$1k	-	12 Month CESA
0.45%	$1k	-	182 Day IRA
0.45%	$1k	-	7 Month IRA
0.45%	$1k	-	9 Month IRA
0.45%	$1k	-	182 Day Roth IRA
0.45%	$1k	-	7 Month Roth IRA
0.45%	$1k	-	9 Month Roth IRA
0.45%	$1k	-	182 Day CESA
0.45%	$1k	-	7 Month CESA
0.45%	$1k	-	9 Month CESA
0.25%	$1k	-	91 Day IRA
0.25%	$1k	-	91 Day Roth IRA
0.25%	$1k	-	91 Day CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Walden Savings Bank
OTS #	18043
FDIC Certificate #	15987
BankRate Report	View
Year Established	1872
Employees	139
Primary Regulator	OCC
Assets and Liabilities
Assets	$412.77 million
Loans	$311.71 million
Deposits	$370.66 million
Equity Capital	$35.63 million
Loan Loss Allowance	$2.84 million
Unbacked Noncurrent Loans	$10.42 million
Real Estate Owned	$3.34 million
Historic Data - September 2010
Assets	$396.01 million
Equity Capital	$32.67 million
Loan Loss Allowance	$2.71 million
Unbacked Noncurrent Loans	$9.30 million
Real Estate Owned	$2.39 million
Profit Margin - Quarterly
Net Interest Margin	4.34%
Return on Assets	0.7%
Return on Equity	8.31%
Interest Income	$13.84 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Walden Savings Bank had $13.75 million in non-current loans and owned real-estate with $38.46 million in equity and loan loss allowances on hand to cover it. This gives Walden Savings Bank a Texas Ratio of 35.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Walden Savings Bank held steady from 33.04% as of September 30, 2010 to 35.76% as of September 30, 2011, resulting in a negative change of 8.21%. This indicates that the balance sheet and financial strength for Walden Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Walden Savings Bank has increased its total deposits by $14.57 million, resulting in 4.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Walden Savings Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Walden Savings Bank has $412.77 million in assets with $38.46 million in equity, resulting in a capitalization level of 9.32%, which is average.