Bank · FDIC insured
Walden Savings Bank
A $1B bank headquartered in Montgomery, NY, with 11 branches in New York. Best rates: savings 0.40% APY.
Walden Savings Bank Carrot Score
61
Carrot Score
Higher than 5% of U.S. banks and credit unions
#17 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Walden Savings Bank
Established in 1872, Walden Savings Bank is headquartered in Montgomery, New York.
The bank operates 11 full-service branch locations and a lending office while serving the Hudson Valley community.
- Headquarters
- 15 Scotts Corner Dr, Montgomery, NY 12549
- FDIC certificate
- 15987 ↗
Branches
11 branches in New York
Loading map…
New York
11 branches
Kiryas Joel area · 10
- Walden Savings BankMain office15 Scotts Corner Dr, Montgomery, NY 12549Directions
- Circleville Branch2108 Route 302, Circleville, NY 10919Directions
- Cornwall Branch321 Hudson St, Cornwall On The Hudson, NY 12520Directions
- Florida Branch95 N Main St, Florida, NY 10921Directions
- Montgomery Branch21 Union St, Montgomery, NY 12549Directions
- New Windsor Branch213 Quassaick Ave, New Windsor, NY 12553Directions
- Middlehope Branch5239 Route 9w North, Newburgh, NY 12550Directions
- Pine Bush Branch50 Boniface Dr, Pine Bush, NY 12566Directions
- Walden Branch2 Bank St, Walden, NY 12586Directions
- Washingtonville Branch127 E Main St, Washingtonville, NY 10992Directions
Kingston area · 1
- Gardiner Branch2356 State Route 44/55, Gardiner, NY 12525Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.19% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.05% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.01% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio10.19%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.05%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Walden Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.