BlastPoint's Banking Scorecard
Walden Savings Bank
Designations: ✓ Community bank ✓ Mutual
Montgomery, NY
11 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +2.1% year over year ($819.6M on the books).
- Delinquency rate 1.07%.
- Return on assets 1.01%.
- Efficiency ratio 65.49% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.25% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Walden Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency Ratio 5.76% above tier average
- - Delinquency Rate 0.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+8.0% YoY
+4.4% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.8% in tier |
| Total Loans ? |
$788.8M
+13.8% YoY
+4.7% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$819.6M
+2.1% YoY
+1.9% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.3% in tier |
| Return on Assets ? |
1.01%
-3.8% YoY
-8.7% QoQ
|
-0.38% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.98%
+8.2% YoY
+1.0% QoQ
|
+0.11% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
65.49%
-5.0% YoY
-0.5% QoQ
|
+5.76% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
1.07%
+230.7% YoY
+93.9% QoQ
|
+0.20% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
96.25%
+11.5% YoY
+2.8% QoQ
|
+11.21% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
21.19%
-0.4% YoY
+2.0% QoQ
|
-0.08% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.82%
+248.6% YoY
+78.6% QoQ
|
+0.15% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.49%
-1.9% YoY
-2.7% QoQ
|
-0.36% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.37%
+18.1% YoY
+130.1% QoQ
|
-0.16% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.2%
-0.1pp YoY +0.4pp QoQ |
-0.2pp | 21.4% | 22.1% | 22.2% | 57% |
| Brokered Deposits |
3.0%
+1.8pp YoY 0.0pp QoQ |
-6.5pp | 9.5% | 8.0% | 8.5% | 35% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.0%
+1.2pp YoY -0.1pp QoQ |
-1.0pp | 14.0% | 11.0% | 12.5% | 59% |
| CRE |
41.6%
+0.3pp YoY +1.2pp QoQ |
-8.5pp | 50.0% | 46.2% | 41.4% | 28% |
| 1-4 Family |
46.1%
-1.6pp YoY -1.0pp QoQ |
+19.6pp | 26.4% | 36.6% | 31.3% | 87% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 5.1% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
-0.3pp YoY -0.4pp QoQ |
-1.1pp | 15.6% | 26.1% | 19.7% | 64% |
| Leverage Ratio |
10.2%
+0.4pp YoY 0.0pp QoQ |
-1.1pp | 11.3% | 13.9% | 12.6% | 42% |
| Total Capital Ratio |
15.7%
-0.3pp YoY -0.4pp QoQ |
-1.0pp | 16.7% | 27.2% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
137
-1 (-0.7%) YoY -1 (-0.7%) QoQ |
-177 | 313 | 914 | 482 | 19% |
| Assets per Employee ($) |
$7.4M
+8.8% YoY +5.2% QoQ |
-$3.0M | $10.5M | $14.8M | $8.8M | 30% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 27 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.7pp YoY +0.5pp QoQ |
+0.2pp | 0.8% | 1.3% | 1.0% | 76% |
| Allowance Coverage |
1.11x
-67.4% YoY -44.5% QoQ |
-17.60x | 18.71x | 1.92x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
-1.7pp YoY -1.0pp QoQ |
-1.7pp | 12.6% | 7.9% | 11.6% | 41% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.8% | 1.7% | 10% |
| Net Income ($, YTD) |
$5.0M
+2.4% YoY — QoQ |
-$14.3M | $19.2M | $111.2M | $40.4M | 11% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.