Walden Savings Bank: how it compares with its peers
Against 32 NY banks with half to twice its assets, Walden Savings Bank's strongest measure in Q2 2026 is net interest margin (3.98% vs. a 3.60% peer median). Its weakest relative measure is assets per employee ($7.4M vs. $8.1M).
| Measure | Walden Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 0.78% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 3.60% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.49% | 73.73% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.1M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.25% | 83.51% | Context |
What it means for lending operations
Its efficiency ratio of 65.49% is better than the 73.73% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Central Savings Bank Glen Cove, NY · $1.03B
- BTG Pactual Bank, National Association New York, NY · $978M
- Watertown Savings Bank Watertown, NY · $971M
- Amerasia Bank Flushing, NY · $1.08B
- Solvay Bank Solvay, NY · $1.20B
Questions about Walden Savings Bank
How big is Walden Savings Bank?
Walden Savings Bank, established in 1872, is headquartered in Montgomery, NY. It reported $1.02B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Walden Savings Bank's return on assets?
1.01% annualized in Q2 2026, against a 0.78% median for 32 NY banks with half to twice its assets, ahead of 69% of them.
What is Walden Savings Bank's efficiency ratio?
65.49% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 73.73%, and lower is better.
Is Walden Savings Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.