
Walden savings bank florida new york -
Walden, New York
Village of the Town of Montgomery, in Orange County, New York
Village in New York, United States
Walden is the largest of three villages of the Town of Montgomery in Orange County, New York, United States. The population was 6,978 at the 2010 census. It has the ZIP Code 12586 and the 778 telephone exchange within the 845area code. Walden is part of the Poughkeepsie−Newburgh−Middletown, NY Metropolitan Statistical Area as well as the larger New York−Newark−Bridgeport, NY-NJ-CT-PACombined Statistical Area.
The village began in the early 18th century as a mill town along the Wallkill River. One miller, Jacob Walden, was so successful the village that incorporated in the mid-19th century took its name from him. Later, it would be the village's three knife manufacturers that brought it growth and prosperity. They are gone today, but other industrial concerns remain. Walden is the home of Spence Engineering, a steam regulator manufacturer founded by Paulson Spence in 1926. He located his manufacturing facilities in Walden to serve the district steam heating loops in the northeast, especially ConEd in New York City. In 2019, Emerson Electric purchased Spence Engineering, ultimately moving it to Mexico in 2021 to improve their profitability. Walden has been best known in the Hudson Valley as the home of the Thruway Markets hypermarket complex, which closed in 2013.
History[edit]
The area around present-day Walden was purchased in 1736 by Alexander Kidd, and settlers of Scots-Irish, English and German descent started arriving not long afterwards. It was the first settlement west of the Wallkill River, known at the time as Kidd's Town.
In the 1820s, a successful New York shipper named Jacob Walden convinced some of his business partners to finance the construction of woolen mills on the river, attracted by the Great Falls as a source of power and the railroad connections at nearby Maybrook. He dammed the Wallkill above the falls, creating a power station that remains in use today, and his mill was a success.
Other wool-makers followed as the Industrial Revolution picked up steam and the growing population center became known instead as Walden's Mills. Most of them failed a few decades later, but their influence was such that the village incorporated in 1855 as Walden.
The village fathers needed to replace the mills as a source of employment, and began encouraging knife manufacturers to relocate from nearby Dutchess County to the vacant buildings, where the New York Knife Company made much of the cutlery employed by the Union Army during the U.S. Civil War.
After the war, other knifemakers came to Walden, too, and the village became colloquially known as Knifetown. Other industrial concerns, making products as diverse as engines and women's underwear, also set up shop.
In the early 1890s, President Grover Cleveland lowered tariffs on many imported goods, including knives. Competitively priced German cutlery began to flood the American market, and together with the Panic of 1893 and the economic slowdown that followed for several years, the knife companies and their owners went heavily into debt and it looked for a while as if they might not survive.
But in 1897 PresidentWilliam McKinley, a personal friend of Thomas Wilson Bradley of the U.S. Knife Company, pushed through the Dingley Tariff that restored the status quo ante. The knifemakers returned to profitability and were able to pay off their debts; and in gratitude Bradley had a statue of McKinley erected that remains in Walden today.
In the 1910s the facilities at the dam began to be primarily used for power and less for industry.
Walden's Main Street was the site of an active retail trade which included Millspaugh's Furniture as well as Roosa's Jewelers, both still in business. Lustig's Department Store, established by Carl Lustig in 1883, was the mainstay of Main Street until its closing in 1986.
Depression was hard on many of the village's economic concerns, but the knifemakers persisted. However, after World War II they gradually became less prominent and moved as the rail connections they had depended on were replaced by trucking on the growing Interstate Highways. The last company making knives in the village, Imperial Schrade, closed down its factory after a 1957 fire and moved to nearby Ellenville afterwards, where it lasted until 2004. The ruins of the factory still stand behind Walden's most visible economic giant, the Thruway Markets hypermarket.
Today, Walden retains some light industry and much of its working-class feel, enough for the village to have gotten into a spat with WPDH-FMdisc jockey The Wolf in the late 1990s over his constant on- and off-air joking about Walden as a redneck town.
Geography[edit]



According to the United States Census Bureau, the village has a total area of 2.0 square miles (5.2 km2), of which 2.0 square miles (5.2 km2) is land and 0.1 square miles (0.26 km2) (3.90%) is water.
The village's most notable geographical feature is the Wallkill River, which flows from the south to the north across the village and divides one-third of it from the rest. Within the eastern portion, Tin Brook, the Wallkill's major right tributary in New York, meanders across as well, forming part of the northern village boundary. There are two waterfalls and dams on the river within the village limits, known as the Great and Little Falls; and two auto bridges, the Walden Veterans' Memorial Bridge (known colloquially as the High Bridge, which carries NY 52, known in the village as West Main Street) and Low (Oak Street) bridges).
The Wallkill passes through a small gorge between the two dams and loses approximately 60 feet (18 m) of elevation in the process. The surrounding topography in the village is, correspondingly, gentle rolling hills of this section of the Great Appalachian Valley between the higher rises of the Shawangunk Ridge, visible to the west from some sections of the village, and the Hudson Highlands to the southwest. The highest elevation is roughly 520 feet (158 m) above sea level along Overlook Road at the village's western boundary; the lowest is 260 feet (79 m) along the Wallkill at the northern village line.
Walden's growth began near the mills and later the knife-making plants, particularly the New York Knife Company, located on the steep east bank of the river just south of the Veterans' Memorial Bridge (footings can still be seen on the slope today). The central business district of the village is today a few blocks to the east, along Main Street. Just to its south is the village hall and the main square. East Main Street, the section of 52 from the 208 junction to the village line, has seen many newer businesses locate there, including a small strip mall. There is also some scattered commercial presence along Orange Avenue (208 south of the junction), primarily professional office space. This parallels the village's remaining industrial presence along the railroad line to the east, which at its northern terminus abuts downtown to the southeast. Walden's other major commercial area is the Thruway Markets complex located along the river north of Oak Street, just south of the remains of the Walden Knife Company.
On the southern side of the village is the Fox Hill Bruderhof Community[4] where about 250 community members live and work in their factories and the Plough Publishing House.[5]
There are two schools, public Walden Elementary School on Orchard Street and CatholicMost Precious Blood near the northern village line along Ulster Avenue. The village offers public parks and a walking trail.
- Bradley Park - Albany Ave, on the high ground between Thruway Market and Ulster Ave (Rte 208), contains 4 baseball & 1 softball field (Home to the Walden Little League), 2 Tennis courts, a playground, and a skateboard park.
- Wooster Grove - East Main St (Rte 52), surrounded by the Tin Brook, offers a large playground, indoor & outdoor basketball courts, a bandstand, an ice rink, and is home the Village of Walden Recreation Dept 'teen center'.
- James Olley Park - End of Sherman Ave, offers a man-made beach with public swimming and fishing, a small play ground, picnic grove, un-improved walking trails, and is home to the Village's Summer Recreation Camp
- Alfred Place Park - Alfred Pl., the only park on the 'West Side' offers a small playground and basketball court.
- Walden–Wallkill Rail Trail - Beginning at Woosters Grove, once the Wallkill Valley Railroad, now thrives as a 3.22-mile (5.18 km)-long paved walking and biking trail linking the village to the Hamlet of Wallkill in Ulster County.
Much of the remainder of the village is residential, with houses tending from modest and small near downtown, the river and railroad, to more expansive homes (such as the Victorians along the west side of Ulster Avenue) being found on the hills, newer development near the southwestern and eastern borders with the town, and 6 small apartment and townhouse complexes.
A large tract along the river south of the power station had remained undeveloped until very recently. A small area between McKinley Avenue, South Mountgomery Street and the river remains open, used for NYSEG's purposes. On the other end of the village, the sewage treatment plant is also in the middle of an undeveloped area.
Climate[edit]
Walden has a humid continental climate, and tends to be significantly cooler than Manhattan, especially at night.
Climate data for Walden, New York (1981–2010 normals) | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
Average high °F (°C) | 34.0 (1.1) | 37.6 (3.1) | 46.4 (8.0) | 59.0 (15.0) | 69.6 (20.9) | 78.1 (25.6) | 82.5 (28.1) | 81.1 (27.3) | 73.7 (23.2) | 62.3 (16.8) | 50.9 (10.5) | 38.8 (3.8) | 59.5 (15.3) |
Average low °F (°C) | 14.4 (−9.8) | 16.9 (−8.4) | 25.5 (−3.6) | 36.3 (2.4) | 46.0 (7.8) | 55.5 (13.1) | 60.0 (15.6) | 58.5 (14.7) | 49.9 (9.9) | 37.8 (3.2) | 30.5 (−0.8) | 20.9 (−6.2) | 37.7 (3.2) |
Average precipitation inches (mm) | 2.97 (75) | 2.61 (66) | 3.65 (93) | 3.84 (98) | 4.15 (105) | 4.42 (112) | 4.05 (103) | 3.93 (100) | 4.09 (104) | 4.12 (105) | 3.56 (90) | 3.43 (87) | 44.82 (1,138) |
Average snowfall inches (cm) | 13.3 (34) | 10.6 (27) | 8.1 (21) | 1.3 (3.3) | 0 (0) | 0 (0) | 0 (0) | 0 (0) | 0 (0) | 0 (0) | 1.3 (3.3) | 8.9 (23) | 43.6 (111) |
Average precipitation days (≥ 0.01 in) | 9.6 | 7.9 | 9.7 | 10.8 | 11.7 | 10.9 | 10.0 | 9.9 | 8.5 | 8.8 | 9.1 | 9.3 | 116.2 |
Average snowy days (≥ 0.1 in) | 4.9 | 3.6 | 2.8 | 0.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 2.8 | 15.2 |
Source: NOAA[6] |
Demographics[edit]
Historical population | |||
---|---|---|---|
Census | Pop. | %± | |
1870 | 1,254 | — | |
1880 | 1,804 | 43.9% | |
1890 | 2,132 | 18.2% | |
1900 | 3,147 | 47.6% | |
1910 | 4,004 | 27.2% | |
1920 | 5,493 | 37.2% | |
1930 | 4,283 | −22.0% | |
1940 | 4,262 | −0.5% | |
1950 | 4,559 | 7.0% | |
1960 | 4,851 | 6.4% | |
1970 | 5,277 | 8.8% | |
1980 | 5,659 | 7.2% | |
1990 | 5,836 | 3.1% | |
2000 | 6,164 | 5.6% | |
2010 | 6,978 | 13.2% | |
2019 (est.) | 6,689 | [3] | −4.1% |
U.S. Decennial Census[7] |
As of the census[8] of 2010, there were 6,978 people, 2,473 households, and 1,577 families residing in the village. The population density was 3,129.6 people per square mile (1,208.1/km2). There were 2,352 housing units at an average density of 1,194.2 per square mile (461.0/km2). The racial makeup of the village was 78.9% White, 11% African American, 0.2% Native American, 1.4% Asian, 0.00% Pacific Islander, 2.69% from other races, and 4.7% from two or more races. Hispanic or Latino of any race were 18.5% of the population.
There were 2,197 households, out of which 40.1% had children under the age of 18 living with them, 50.9% were married couples living together, 14.6% had a female householder with no husband present, and 28.2% were non-families. 22.7% of all households were made up of individuals, and 9.4% had someone living alone who was 65 years of age or older. The average household size was 2.79 and the average family size was 3.29.
In the village, the population was spread out, with 30.2% under the age of 18, 8.1% from 18 to 24, 31.5% from 25 to 44, 20.1% from 45 to 64, and 10.2% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 92.3 males. For every 100 females age 18 and over, there were 90.4 males.
The median income for a household in the village was $43,507, and the median income for a family was $49,316. Males had a median income of $37,929 versus $25,701 for females. The per capita income for the village was $18,485. About 5.5% of families and 9.8% of the population were below the poverty line, including 13.1% of those under age 18 and 7.7% of those age 65 or over.
Economy[edit]
The knife making plants are gone, but other light-industrial concerns remain along the rail spur. The growing service sector is most strongly represented by two regional banks, Walden Federal and Walden Savings Bank, are based in the village (though the latter has moved to new headquarters at Scotts Corners, the 17K/208 intersection).
Retailing has long been a strong point for the village. The opening of Thruway Markets in 1955 filled the need not only for a supermarket but the entire big box sector, long before it existed in the country at large. While it eventually drove smaller stores from Main Street, it remains a substantial part of the village's tax base and a major draw for consumers from outside not only Walden but the Town of Montgomery (particularly the nearby hamlet of Wallkill, which has no large retailers of its own), despite the openings of chain supermarkets in several nearby communities. The Thruway complex also boasts an outdoor-recreation store, tire-repair shop and the oldest of the village's three Chinese restaurants. In 2013, Thruway's owners closed the supermarket and hardware store after selling that space to the Maine-based Hannaford supermarket chain. Building of the new Hannaford supermarket is complete. The Ace hardware store has also since reopened.
While vacant space remains on Main Street, specialty stores and restaurants have managed to thrive there. Millspaugh Furniture, founded in Walden (but with another outlet in Poughkeepsie), is another popular draw for out-of-town shoppers due to its long history in the area and reputation for quality merchandise. National and regional chain stores once had little presence in Walden beyond two gas stations along the 52/208 section of Main Street, but in the last decade the amount of convenience stores has doubled with the addition of a Stewart's along East Main Street, and fast-foodchainsSubway and Dunkin' Donuts have found space nearby.
Outside of jobs at the enterprises in the village, most residents work in the area. The nearby interstate and its associated "Golden Triangle" (with the New York State Thruway/I-87 and NY 17 (the future I-86) provide many jobs in transportation and distribution, particularly at Maybrook's Yellow Freight facility and the large Stapleswarehouse just north of I-84. Local government agencies, and some state ones such as the Department of Correctional Services, also employ residents. More recently, residents of the newer housing have been commuters traveling to jobs in New York City or other areas close to it.
Government[edit]

As a village of the Town of Montgomery, Walden residents are taxpayers and electors in both.
The village has seven elected officials, a village board consisting of the mayor and six nonpartisan trustees, per the New York State Village Law. Most of the executive functions are handled by the village manager, who serves at the board's pleasure.
Walden has had this system of government since 1964. A 1972 referendum to return to a strong-mayor system was defeated.
The village has its own police force, which provides 24-hour protection for residents; a public works department which maintains roads, water and sewer lines; a skate park in Bradley Park which was built in fall 2006 due to the ongoing complaints from older residents about all the skateboarders, a recreation department which maintains several parks within the village, including one with a pond in which swimming is permitted; and a village court presided over by an elected justice. Fire protection is provided for the village and surrounding fire district by the Walden Fire Department.
The Village Hall, pictured left, housed both the Walden Fire Department and Police Station until 1994 when the Fire District moved to a newly constructed firehouse at 230 Old Orange Avenue, near the edge of the village. Since then, the police station on the ground floor has grown from a tiny office and a few cells to nearly encompassing the entire ground floor. Fire department meeting rooms on the second story have been converted since then to a children's section of the local Josephine-Louise Library.
Infrastructure[edit]
Transportation[edit]
Two state highways and two county roads serve Walden. Route 52 crosses the town from east to west, providing connections to Newburgh, 12 miles (19 km) in the former direction and Pine Bush, the Shawangunks and the Catskills in the latter. NY 208 crosses from north to south, with the nearest settlements in each direction being Wallkill and Maybrook, respectively. The two share a brief block in the center of town. Most traffic from outside the area comes in via Route 208 from the south due to its exit on Interstate 84 about five miles (9 km) south of the village, as well as its intersection with paralleling NY 17K at Scotts Corners three miles (5 km) to the south. County routes 23 (River Road) and 75 (Coldenham Road) connect to 17K at Montgomery to the southwest and the hamlet of Coldenham to the southeast, respectively.
The remaining spur of the old Wallkill Valley Railroad, now operated by Norfolk Southern, serves several businesses in the village and ends just short of East Main Street. There have been suggestions that commuter rail service via the Metro-NorthPort Jervis Line, where the spur connects at Campbell Hall, currently the nearest passenger rail station, be initiated. Metro-North rail service directly into New York City is available just across the Hudson River from Newburgh at Beacon and other stations on the Hudson Line. Amtrak stops at Poughkeepsie, the Hudson Line's northern terminus. The nearest airport to Walden, Orange County Airport, is a general aviation facility just south of Montgomery. Commercial airlines, both freight and passenger, fly out of Stewart International Airport.
Short Line serves Walden on its route from Newburgh to Middletown.[9][10][11]
References[edit]
- ^Eager, Samuel Watkins (1846). An Outline History of Orange County: Together with Local Tradition and Short Biographical Sketches of Early Settlers, Etc. T. E. Henderson. p. 273.
- ^"2019 U.S. Gazetteer Files". United States Census Bureau. Retrieved July 27, 2020.
- ^ ab"Population and Housing Unit Estimates". United States Census Bureau. May 24, 2020. Retrieved May 27, 2020.
- ^Dreher, Rod. "Life Among The Bruderhof". The American Conservative. Retrieved 2019-10-09.
- ^"About Us". Plough. Retrieved 2019-10-09.
- ^"NowData - NOAA Online Weather Data". National Oceanic and Atmospheric Administration. Retrieved 2012-03-02.
- ^"Census of Population and Housing". Census.gov. Retrieved June 4, 2015.
- ^"U.S. Census website". United States Census Bureau. Retrieved 2008-01-31.
- ^"Getting Here Источник: https://originationdata.com/institution/549300W2DSERWC01YR18?year=2018
Walden Savings Bank Mortgage Rates, Fees & Info
Montgomery, NYLEI: 549300W2DSERWC01YR18
Tax ID: 14-1155630
2020 Data
2019 DataИсточник: https://theguaranteedloans.com/new-york/florida/walden-savings-bank/About Walden Savings Bank
On this page you can find all information you need about Walden Savings Bank in Florida, NY, including the address, photos, E-mail, working hours, you can also find Google Maps placement of all departments in the city. Walden Savings Bank provides cash advances for individuals and legal entities in Florida
Address: 95 N Main St, Florida, NY 10921, United States Main website: https://waldensavings.bank Department website: Phone: +1 (845) 651 - 2400 Opening hours: Other companies in Florida, NY
- Sterling National Bank
7 Edward J Lempka Dr, Florida, NY 10921, United States
- Provident Bank - Florida Financial Center
7 Edward J Lempka Dr, Florida, NY 10921, United States
- Myles Wealth Management LLC
59 N Main St, Florida, NY 10921, United States
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Bank ABA Routing Number Finder (USA)
Источник: https://bankcodesfinder.com/bank-aba-routing-numbers/walden_savings_bank/new_york/montgomery/p_o_box_690General Information About ABA Routing Number
What is an ABA Routing Number
An ABA (American Bankers Association) routing number, also known as a bank routing number that identifies the perticular financial institution or banks branch in the U.S. ABA routing no is a nine digits numarical number developed by American Bankers Association in 1910. An ABA Routing Number will only be issued to a federal or state chartered financial institution which is eligible to maintain an account at a Federal Reserve Bank.
Decoading an ABA Routing Number
- The first four digit of the ABA/Routing Number is assigned by the Federal Reserve Routing System and represent the bank's physical location.
- Next two digit is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.
- Next digit mean seventh digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.
- Next digit mean eighth digit of the Routing number designates which Federal Reserve district the bank is in.
- Lastly the nineth digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.
Example: Breakdown of ABA Routing Number Number
1
2
3
4
5
6
7
8
9
Federal Reserve Symbol
Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through
Cheque Processing Center Identifier
Bank District Identifier
Cheque Digit
What ABA Routing Number Used For?
An ABA Routing Number used for various financial transation and wires and electronic automatic clearing house (ACH) transactions such as electronic funds transfer, direct deposit, direct payment of consumer bills, e-checks, and tax payments, among others.
How to Find ABA Routing Numbers?
You can get your account’s ABA number from several sources. If you have a checkbook handy, the easiest solution is to locate the numbers at the bottom of one of your checks & also you can login into your online banking portal to check the ABA routing number & lastly contact to your bank helpline number or visit bank physical location & ask for the routing number.
FEDERAL RESERVE DISTRICT
List of Federal Reserve District Codes for all Banks in US
Primary (01-12) Thrift (+20) Electronic (+60) Federal Reserve Bank 1 21 61 Boston 2 22 62 New York 3 23 63 Philadelphia 4 24 64 Cleveland 5 25 65 Richmond 6 26 66 Atlanta 7 27 67 Chicago 8 28 68 St. Louis 9 29 69 Minneapolis 10 30 70 Kansas City 11 31 71 Dallas 12 32 72 San Francisco 00 is used by the United States Government & 80 is used for traveler's checks.
Chequesum Calculation Method
The cheque digit is the ninth digit of the routing number and must meet the following condition.
3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0
(Mod or modulo is the remainder of a division operation.)As an example: 011900571 is a routing number of Bank Of America, Virginia. So as per chequesum calculation method -
0
1
1
9
0
0
5
7
1
D1
D2
D3
D4
D5
D6
D7
D8
D9
3(0 + 9 + 5) + 7(1 + 0 + 7) + (1 + 0 + 1) =100
100 mod 10 = 0ABA PREFIX TABLE
This table is up to date as of 2020. One weakness of the current routing table arrangement is that various territories like American Samoa, Guam, Puerto Rico and the US Virgin Islands share the same routing code.
Prefix Location 1 New York, NY 2 Chicago, IL 3 Philadelphia, PA 4 St. Louis, MO 5 Boston, MA 6 Cleveland, OH 7 Baltimore, MD 8 Pittsburgh, PA 9 Detroit, MI 10 Buffalo, NY 11 San Francisco, CA 12 Milwaukee, WI 13 Cincinnati, OH 14 New Orleans, LA 15 Washington D.C. 16 Los Angeles, CA 17 Minneapolis, MN 18 Kansas City, MO 19 Seattle, WA 20 Indianapolis, IN 21 Louisville, KY 22 St. Paul, MN 23 Denver, CO 24 Portland, OR 25 Columbus, OH 26 Memphis, TN 27 Omaha, NE 28 Spokane, WA 29 Albany, NY 30 San Antonio, TX 31 Salt Lake City, UT 32 Dallas, TX 33 Des Moines, IA 34 Tacoma, WA 35 Houston, TX 36 St. Joseph, MO 37 Fort Worth, TX 38 Savannah, GA 39 Oklahoma City, OK 40 Wichita, KS 41 Sioux City, IA 42 Pueblo, CO 43 Lincoln, NE 44 Topeka, KS 45 Dubuque, IA 46 Galveston, TX 47 Cedar Rapids, IA 48 Waco, TX 49 Muskogee, OK 50 New York 51 Connecticut 52 Maine 53 Massachusetts 54 New Hampshire 55 New Jersey 56 Ohio 57 Rhode Island 58 Vermont 59 Hawaii 60 Pennsylvania 61 Alabama 62 Delaware 63 Florida 64 Georgia 65 Maryland 66 North Carolina 67 South Carolina 68 Virginia 69 West Virginia 70 Illinois 71 Indiana 72 Iowa 73 Kentucky 74 Michigan 75 Minnesota 76 Nebraska 77 North Dakota 78 South Dakota 79 Wisconsin 80 Missouri 81 Arkansas 82 Colorado 83 Kansas 84 Louisiana 85 Mississippi 86 Oklahoma 87 Tennessee 88 Texas 89 Alaska 90 California 91 Arizona 92 Idaho 93 Montana 94 Nevada 95 New Mexico 96 Oregon 97 Utah 98 Washington 99 Wyoming 101 American Samoa, Guam, Puerto Rico, Virgin Islands Источник: https://cfosny.org/our-funds/scholarships/david-t-cocks-walden-savings-bank-scholarship-fund/The David T. Cocks Walden Savings Bank Scholarship Fund has been established to celebrate the life and honor the memory of David T. Cocks. On June 19, 2011, David T. Cocks, President of Walden Savings Bank, passed away suddenly. He was a man of great character, a devoted family man and friend to many, who truly made a difference in the lives of those he touched. Whether as President of Walden Savings Bank or in his many volunteer roles, he exemplified the definition of character and left a legacy of service and good work. This scholarship will be awarded to one student within the Bank’s Branch Territory. Applications may be picked up in the Guidance Department of each of the following schools: Chapel Field Christian School; Cornwall Central School District; Florida Union Free School District; Goshen Central School District; John S. Burke Catholic High School; Marlboro Central School District; Newburgh Enlarged City School District; New Paltz Central School District; Pine Bush Central School District; Valley Central School District; Wallkill Central School District; Warwick Valley Central School District; Washingtonville Central School District.
Click here to apply!
walden savings bank florida new york OrganizationsИсточник: https://cfosny.org/our-funds/scholarships/david-t-cocks-walden-savings-bank-scholarship-fund/The David T. Cocks Walden Savings Bank Scholarship Fund has been established to celebrate the life and honor the memory of David T. Cocks. On June 19, 2011, David T. Cocks, President of Walden Savings Bank, passed away suddenly. He was a man of great character, a devoted family man and friend to many, who truly made a difference in the lives of those he touched. Whether as President of Walden Savings Bank or in his many volunteer roles, he exemplified the definition of character and left a legacy of service and good work. This scholarship will be awarded to one student within the Bank’s Branch Territory. Applications may be picked up in the Guidance Department of each of the following schools: Chapel Field Christian School; Cornwall Central School District; Florida Union Free School District; Goshen Central School District; John S. Burke Catholic High School; Marlboro Central School District; Newburgh Enlarged City School District; New Paltz Central School District; Pine Bush Central School District; Valley Central School District; Wallkill Central School District; Warwick Valley Central School District; Washingtonville Central School District.
Click here to apply!
Источник: https://www.marist.edu/walden-savingsWho We Are
Marist College is located on the banks of the historic Hudson River in Poughkeepsie, NY with a branch campus in Florence, Italy. Marist is a comprehensive, independent institution with core values consisting of excellence in education, a sense of community, and a commitment to service. As an institution, Marist supports a wide variety of programs to meet the community’s needs and broaden access to education. Our mission is to help students develop the intellect, character, and skills required for enlightened, ethical, and productive lives in the global community of the 21st century.
What We Offer
Marist offers continuing education to the adult community through over 40 undergraduate majors, and numerous graduate programs and advanced certificates. The graduate programming will cover topics in business, public administration, accounting, analytics, counseling, education, marketing communications, information systems, and medicine. Marist graduate and adult undergraduate programs are designed with the working professional in mind, offering online and on-ground options that will focus on building essential skills, increasing earning potential, and strengthening your marketability. Our dedicated faculty really gets to know their students, leading to mentorship, joint research opportunities, and intellectual guidance.
Our Partnership
Guided by our similar values, Walden Savings Bank’s talented and diverse team of people focus on their customers, every day. Their combined intelligence, spirit, and imagination creates a welcoming environment that promotes learning and growth.
As a way of saying "thank you" to Walden Savings Bank employees who reside in our community, Marist College is offering special tuition pricing for all Walden Savings Bank employees and their immediate adult family members.
Special Tuition Pricing for Employees
Walden Savings Bank employees and their immediate adult family members will receive the following benefits:
- A tuition discount on eligible graduate and adult undergraduate degree programs. For our complete list of eligible programs and discounted pricing visit our eligible programs and pricing page.
- Options for Full-Time and Part-Time Master's and Bachelor's degree programs offered 100% online, in-class, or a mix of both.
- Enjoy state of the art classrooms for our Bachelor’s and Master’s programs offered on our Main Campus in Poughkeepsie, NY. We also offer a classroom-based MPA option at our satellite locations in Queens, NY, and Albany, NY.
Eligibility
Walden Savings Bank employees and their families must show proof of membership in order to qualify for the partnership tuition rate.
Adult undergraduate students are defined as students who begin their Marist academic career at age 22 or older and who are applying through the Office of Adult Undergraduate Admission. Graduate students are those students who initiate an application for a stand-alone Master’s degree through the Office of Graduate Admission.
Final determination of eligibility is made by Marist College.
Complete our online inquiry form to receive more information. All contact information provided is confidential.
Programs Offered
Marist College offers students a variety of programs on-site and online for both graduate and adult undergraduate (ages 22+) learners.
Please visit our eligible programs and pricing page for more information.
Bank ABA Routing Number Finder (USA)
Источник: https://bankcodesfinder.com/bank-aba-routing-numbers/walden_savings_bank/new_york/montgomery/p_o_box_690General Information About ABA Routing Number
What is an ABA Routing Number
An ABA (American Bankers Association) routing number, also known as a bank routing number that identifies the perticular financial institution or banks branch in the U.S. ABA routing no is a nine digits numarical number developed by American Bankers Association in 1910. An ABA Routing Number will only be issued to a federal or state chartered financial institution which is eligible to maintain an account at a Federal Reserve Bank.
Decoading an ABA Routing Number
- The first four digit of the ABA/Routing Number is assigned by the Federal Reserve Routing System and represent the bank's physical location.
- Next two digit is designate which Federal Reserve bank the institution's electronic and wire transfers will route through.
- Next digit mean shelby county state bank elk horn iowa digit indicates which Federal Reserve cheque processing center was initially assigned to the bank.
- Next digit mean eighth digit of the Routing number designates which Federal Reserve district the bank is in.
- Lastly the nineth digit provides a checksum. The checksum is a complicated mathematical expression using the first eight digits. If the end result does not equal the checksum number, the transaction gets flagged and rerouted for manual processing.
Example: Breakdown of ABA Routing Number Number
1
2
3
4
5
6
7
8
9
Federal Reserve Symbol
Federal Reserve Bank the Institution's Electronic and Wire Transfers Will Route Through
Cheque Processing Center Identifier
Bank District Identifier
Cheque Digit
What ABA Routing Number Used For?
An ABA Routing Number used for various financial transation and wires and electronic automatic clearing house (ACH) transactions such as electronic funds transfer, direct deposit, direct payment of consumer bills, e-checks, and tax payments, among others.
How to Find ABA Routing Numbers?
You can get your account’s ABA number from several sources. If you have a checkbook handy, the easiest solution is to locate the numbers at the bottom of one of your checks & also you can login into your online banking portal to check the ABA routing number & lastly contact to your bank helpline number or visit bank physical location & ask for the routing number.
FEDERAL RESERVE DISTRICT
List of Federal Reserve District Codes for all Banks in US
Primary (01-12) Thrift (+20) Electronic (+60) Federal Reserve Bank 1 21 61 Boston 2 22 62 New York 3 23 63 Philadelphia 4 24 64 Cleveland 5 25 65 Richmond 6 26 66 Atlanta 7 27 67 Chicago 8 28 68 St. Louis 9 29 69 Minneapolis 10 30 70 Kansas City 11 31 71 Dallas 12 32 72 San Francisco 00 is used by the United States Government & 80 is used for traveler's checks.
Chequesum Calculation Method
The cheque digit is the ninth digit of the routing number and must meet the following condition.
3(d1 + d4 + d7) + 7(d2 + d5 + d8) + (d3 + d6 + d9) mod 10 = 0
(Mod or modulo is the remainder of a division operation.)As an example: 011900571 is a routing number of Bank Of America, Virginia. So as per chequesum calculation method -
0
1
1
9
0
0
5
7
1
D1
D2
D3
D4
D5
D6
D7
D8
D9
3(0 + 9 + 5) + 7(1 + 0 + 7) + (1 + 0 + 1) =100
100 mod 10 = 0ABA PREFIX TABLE
This table is up to date as of 2020. One weakness of the current routing table arrangement is that various territories like American Samoa, Guam, Puerto Rico and the US Virgin Islands share the same routing code.
Prefix Location 1 New York, NY 2 Chicago, IL 3 Philadelphia, PA 4 St. Louis, MO 5 Boston, MA 6 Cleveland, OH 7 Baltimore, MD 8 Pittsburgh, PA 9 Detroit, MI 10 Buffalo, NY 11 San Francisco, CA 12 Milwaukee, WI 13 Cincinnati, OH 14 New Orleans, LA 15 Washington D.C. 16 Los Angeles, CA 17 Minneapolis, MN 18 Kansas City, MO 19 Seattle, WA 20 Indianapolis, IN 21 Louisville, KY 22 St. Paul, MN 23 Denver, CO 24 Portland, OR 25 Columbus, OH 26 Memphis, TN 27 Omaha, NE 28 Spokane, WA 29 Albany, NY 30 San Antonio, TX 31 Salt Lake City, UT 32 Dallas, TX 33 Des Moines, IA 34 Tacoma, WA 35 Houston, TX 36 St. Joseph, MO 37 Fort Worth, TX 38 Savannah, GA 39 Oklahoma City, OK 40 Wichita, KS 41 Sioux City, IA 42 Pueblo, CO 43 Lincoln, NE 44 Topeka, KS 45 Dubuque, IA 46 Galveston, TX 47 Cedar Rapids, IA 48 Waco, TX 49 Muskogee, OK 50 New York 51 Connecticut 52 Maine 53 Massachusetts 54 New Hampshire 55 New Jersey 56 Ohio 57 Rhode Island 58 Vermont 59 Hawaii 60 Pennsylvania 61 Alabama 62 Delaware 63 Florida 64 Georgia 65 Maryland 66 North Carolina 67 South Carolina 68 Virginia 69 West Virginia 70 Illinois 71 Indiana 72 Iowa 73 Kentucky 74 Michigan 75 Minnesota 76 Nebraska 77 North Dakota 78 South Dakota 79 Wisconsin 80 Missouri 81 Arkansas 82 Colorado 83 Kansas 84 Louisiana 85 Mississippi 86 Oklahoma 87 Tennessee 88 Texas 89 Alaska 90 California 91 Arizona 92 Idaho 93 Montana 94 Nevada 95 New Mexico 96 Oregon 97 Utah 98 Washington 99 Wyoming 101 American Samoa, Guam, Puerto Rico, Virgin Islands 2018 DataWalden Savings Bank in Montgomery, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, BranchesИсточник: http://www.bankencyclopedia.com/Walden-Savings-Bank-15987-Montgomery-New-York.html0 10218 Walden Savings Bank 15 Scotts Corners Drive, Montgomery, NY 12549 April 01, 1872 Full Service Brick and Mortar 1 236391 Washingtonville Branch 127 East Main Street, Washingtonville, NY 10992 April 30, 1973 Full Service Brick and Mortar 2 236392 Montgomery Branch 99 Clinton Street, Montgomery, NY 12549 December 15, 1975 Full Service Brick and Mortar 3 236393 Cornwall Branch 321 Hudson Street, Cornwall On The Hudson, NY 12520 June 17, 1976 Full Service Brick and Mortar 4 236394 Pine Bush Branch 50 Boniface Drive, Pine Bush, NY 12566 March 10, 1990 Full Service Brick and Mortar 6 236396 Gardiner Branch 2356 State Route 44/55, Gardiner, NY 12525 Febuary 02, 1998 Full Service Brick and Mortar 7 236397 New Windsor Branch 213 Quassaick Avenue, New Windsor, NY 12553 July 15, 1999 Full Service Brick and Mortar 9 419618 Walden Branch 2 Bank Street, Walden, NY 12586 December 05, 2002 Full Service Brick and Mortar 10 474335 Circleville Branch 2108 Route 302, Circleville, NY 10919 May 30, 2007 Full Service Brick and Mortar 11 477858 Middlehope Branch 5239 Route 9w North, Newburgh, NY 12550 August 27, 2007 Full Service Brick and Mortar 12 521527 Florida Branch 95 N Main St, Florida, NY 10921 June 30, 2011 Full Service Brick and Mortar Overview
Walden Savings Bank is a smaller bank specializing in Home Purchase loans. Walden Savings Bank has a high proportion of conventional loans. walden savings bank florida new york Their top markets include New York, Kingston, Newark, walden savings bank florida new york Bridgeport, and Albany among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors.Originations
287Origination Dollar Volume (All Markets)
$55,755,000Employee count
141Product Mix
Loan Type Originations Total Value Average Loan Average Fees Average Rate Conventional 287 $55,755,000 $194,268 $0 0.00% For the 2018 period, Walden Savings Bank's most frequently originated loan type was Conventional, with 287 originations. walden savings bank florida new york
Loan Reason
Loan Reason Originations Total Value Average Loan Average Fees Average Rate Home Purchase 180 $41,180,000 $228,778 $0 0.00% Refi 57 $11,105,000 $194,825 $0 0.00% Other 28 $2,300,000 $82,143 $0 0.00% Home Improvement 22 $1,170,000 $53,182 $0 0.00% For the 2018, Walden Savings Bank's most frequently cited loan purpose was Home Purchase, with 180 originations. The 2nd most popular reason was Refi, with 57 originations.
extension wire walmart Loan Duration/Length
Loan Length Originations Total Value Average Loan Average Fees Average Rate Other 287 $55,755,000 $194,268 $0 0.00% For the 2018, Walden Savings Bank's most frequently cited loan length was Other, with 287 originations.
Top Markets
Market Originations Total Value Average Loan Average Fees Average Rate NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 197 $38,665,000 $196,269 $0 0.00% KINGSTON, NY 37 $6,485,000 $175,270 $0 0.00% walmart nintendo switch lite Outside of Metro Areas 28 $4,770,000 $170,357 $0 0.00% Outside of Metro Areas 14 $3,700,000 $264,286 $0 0.00% NEWARK, NJ-PA 4 $870,000 $217,500 $0 0.00% BRIDGEPORT-STAMFORD-NORWALK, CT 1 $325,000 $325,000 $0 0.00% ALBANY-SCHENECTADY-TROY, NY 2 $270,000 $135,000 $0 0.00% WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 1 $235,000 $235,000 $0 0.00% PUNTA GORDA, FL 1 $185,000 $185,000 $0 0.00% PORT ST. LUCIE, FL 1 $165,000 $165,000 $0 0.00% VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $85,000 $85,000 $0 0.00% Walden Savings Bank's top markets include walden savings bank florida new york New York, Kingston, Newark, Bridgeport, and Albany among others.
Loan Sizing
Loan Size Originations Total Value Average Loan Average Fees Average Rate $200k-400k 109 $29,795,000 $273,349 $0 0.00% $100k-200k 88 $13,290,000 $151,023 $0 0.00% $100,000 or less 73 $4,295,000 $58,836 $0 0.00% $400k-600k 15 $7,105,000 $473,667 $0 0.00% $600k-1MM 2 $1,270,000 $635,000 $0 0.00% 2018 saw Walden Savings Bank place emphasis on $200k-400k loans with 109 originations, totaling $29,795,000 in origination value.
Applicant Income
Applicant Income Originations Total Value Average Loan Average Fees Average Rate $100k-150k 79 $17,555,000 $222,215 $0 0.00% $50k-75k 57 $8,235,000 $144,474 $0 0.00% $150k-250k 56 $15,080,000 $269,286 $0 0.00% $75k-100k 51 $7,895,000 $154,804 $0 0.00% $50k or less 29 $2,645,000 $91,207 $0 0.00% $250k+ 14 $4,200,000 $300,000 $0 0.00% b of a account sign in Walden Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 79 originations. The second most popular income band? $50k-75k, with 57 originations.
Applicant Debt to Income Ratio
DTI Ratio Originations Total Value Average Loan Average Fees Average Rate Exempt% 287 $55,755,000 $194,268 $0 0.00% Walden Savings Bank capital one auto finance account access most frequently to walden savings bank florida new york with DTI ratios of Exempt%, with 287 originations.
Ethnicity Mix
Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate White 236 $44,850,000 $190,042 $0 0.00% Not provided 31 $7,285,000 $235,000 $0 0.00% Asian 8 $1,610,000 $201,250 $0 0.00% Black 9 $1,345,000 $149,444 $0 0.00% Filipino 1 $415,000 $415,000 $0 0.00% American Indian 2 $250,000 $125,000 $0 0.00% Approval Rates
Total approvals of all applications
93.72%Walden Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination
66.53%Walden Savings Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
Points Originations Total Value Average Loan Exempt 287 $55,755,000 $194,268 Occupancy Type Mix
Dwelling Type Originations Total Value Average Loan Single Family (1-4 Units):Site-Built 287 $55,755,000 $194,268 Bank Details
Branches
Bank Name Branch Branch Type Deposits (000's) Walden Savings Bank 127 East Main Street Washingtonville, NY 10992 Full Service B&M $62,875 Walden Savings Bank 15 Scotts Corners Drive Montgomery, NY 12549 walden savings bank florida new york Full Service B&M $54,261 Walden Savings Bank 2 Bank Street Walden, NY 12586 Full Service B&M $64,099 Walden Savings Bank 21 Union Street Montgomery, NY 12549 Full Service B&M $39,416 Walden Savings Bank 2108 Route 302 Circleville, NY 10919 Full Service B&M $37,364 Walden Savings Bank 213 Quassaick Avenue New Windsor, NY 12553 Full Service B&M $31,242 Walden Savings Bank 2356 State Route 44/55 Gardiner, NY 12525 Full Service B&M $24,529 Walden Savings Bank 321 Hudson Street Cornwall On The Hudson, NY 12520 Full Service B&M walden savings bank florida new york walden savings bank florida new york $52,841 Walden Savings Bank 50 Boniface Drive Pine Bush, NY 12566 Full Service B&M $119,857 Walden Savings Bank 5239 Route 9w North Newburgh, NY 12550 Full Service B&M $18,371 Walden Savings Bank 95 N Main St Florida, NY 10921 Full Service B&M walden savings bank florida new york $25,655 Yearly Performance Overview
Bank Expenses
Item Value (in 000's) Total interest what team is jose bautista on in 2018 for credit losses $-96 Total noninterest expense $17,253 Salaries and employee benefits $9,893 Premises and equipment expense $2,520 Additional noninterest expense $4,840 Applicable income taxes $1,264 Net charge-offs $127 Cash dividends $0 Loan Performance
Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot) All loans 0.0% Real Estate loans 0.0% Construction & Land Development loans 0.0% Nonfarm, nonresidential loans 0.0% Multifamily residential loans 0.0% 1-4 family residential loans 0.0% HELOC loans 0.0% All other family 0.0% Commercial & industrial loans 2.0% Personal loans 0.0% Credit card loans 0.0% Other individual loans 0.0% Auto loans 0.0% Other consumer loans 0.0% Unsecured commercial real estate loans 0.0% Deposits
Type Value (in 000's) Total deposits $512,324 Deposits held in domestic offices $512,324 Deposits by Individuals, partnerships, and corporations $512,324 Deposits by U.S. Government $0 Deposits by States and political subdivisions in the U.S. $0 Deposits by Commercial banks and other depository institutions in U.S. $0 Deposits by Banks in foreign countries $0 Deposits by Foreign governments and official institutions $0 Transaction accounts $38,590 Demand deposits $16,803 Nontransaction accounts $473,734 Money market deposit accounts (MMDAs) $24,801 Other savings deposits (excluding MMDAs) $394,744 Total time deposits $54,191 Total time and savings deposits $495,521 Noninterest-bearing deposits $96,012 Interest-bearing deposits $416,312 Retail deposits $506,213 IRAs and Keogh plan accounts $11,003 Brokered deposits $0 Deposits held in foreign offices $0 Assets
Asset Value (in 000's) Total Assets $570,760 Cash & Balances due from depository institutions $29,170 Interest-bearing balances $21,238 Total securities $85,261 Federal funds sold & reverse repurchase $0 Net loans and leases $423,488 Loan and leases loss allowance $3,997 Trading account assets $0 Bank premises and fixed assets $11,161 Other real estate owned $346 Goodwill and other intangibles $716 All other assets $20,618 Liabilities
Liabilities Value (in 000's) Total liabilities and capital $570,760 Total Liabilities $517,627 Total deposits $512,324 Interest-bearing deposits $416,312 Deposits held in domestic offices $512,324 % insured (estimated) $91 Federal funds purchased and repurchase agreements $0 Trading liabilities $0 Other borrowed funds $0 Subordinated debt $0 All other liabilities $5,303 walden savings bank florida new york Issued Loan Types
Type Value (in 000's) Net loans and leases $423,488 Loan and leases loss allowance $3,997 Total loans and leases (domestic) $427,485 All real estate loans $378,402 Real estate loans in domestic offices $378,402 Construction walden savings bank florida new york development loans $21,315 Residential 1-4 family construction $13,460 Other construction, all land development and other land $7,855 Loans secured by nonfarm nonresidential properties $124,423 Nonfarm nonresidential secured by owner-occupied properties $83,817 Commercial real estate & other non-farm, non-residential $40,606 Multifamily residential real estate $12,222 1-4 family residential loans $218,730 Farmland loans $1,712 Loans held in foreign offices $0 Farm loans $0 Commercial and industrial loans $46,682 To non-U.S. addressees $0 Loans to individuals $2,300 Credit card loans $0 Related Plans $152 Consumer Auto Loans $1,528 Other loans to individuals $620 All other loans & leases $101 Loans to foreign governments and official institutions $0 Other loans $101 Loans to depository institutions and acceptances of other banks $0 Loans not secured by real estate $0 Loans secured by real estate to non-U.S. addressees $0 Restructured Loans & leases $11,159 Non 1-4 family restructured loans & leases $1,100 Total loans and leases (foreign) $0 Small Business Loans
Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan Nonfarm, nonresidential loans - <$1MM 215 $62,190 $289,256 Nonfarm, nonresidential loans - <$100k 11 $565 $51,364 Nonfarm, nonresidential loans - $100-250k 70 $9,476 $135,371 Nonfarm, nonresidential loans - $250k-1MM 134 $52,149 $389,172 Commercial & Industrial, US addressed loans - <$1MM 821 $37,967 $46,245 Commercial & Industrial, US addressed loans - <$100k 623 $10,267 $16,480 Commercial & Industrial, US addressed loans - $100-250k 109 $9,153 $83,972 Commercial & Industrial, US addressed loans - $250k-1MM 89 $18,547 $208,393 Farmland loans - <$1MM 5 $1,250 $250,000 Farmland loans - <$100k 1 $74 $74,000 Farmland loans - $250k-1MM 4 $1,176 $294,000 - Sterling National Bank
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