Wallkill Valley Federal Savings and Loan Association: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Wallkill Valley Federal Savings and Loan Association, based in Wallkill, New York, reported $485 million in assets at June 30, 2026, up 2.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it funds 9.17% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $822,000, 43% above the same quarter a year earlier. Unrealized losses on its securities total $7.9 million, equal to 18% of Tier 1 capital, against 23% a year earlier. Profitability lags: it earns about $0.69 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Wallkill Valley Federal Savings and Loan Association reported a CET1 capital ratio of 13.55%, a return on assets of 0.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 23 Wallkill Ave, Wallkill, NY 12589
- County
- Ulster
- Metro Area
- Kingston, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Offices
- 9 domestic
- Employees (FTE)
- 72
- Domestic deposits
- $416.7M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $479.5M
- Average total loans
- $346.8M
- Average interest-bearing deposits
- $321.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28870
- Fed RSSD
- 7072
- Website
- www.wallkill.com →
- Parent Holding Company
- WALLKILL VALLEY BANCORP, INC. (RSSD 5117565)
- Ultimate Parent
- WALLKILL VALLEY BANCORP MHC (RSSD 5117592)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wallkill Valley Federal Savings and Loan Association terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wallkill Valley Federal Savings and Loan Association, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Wallkill Valley Federal Savings and Loan Association rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 0.69% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 13.57% | 0.68% | 0.07% | 0.55% | 3.62% |
| Q4 2025 | 13.49% | 0.43% | 0.12% | 0.98% | 3.41% |
| Q3 2025 | 13.12% | 0.43% | 0.11% | 0.92% | 3.51% |
| Q2 2025 | 12.79% | 0.49% | 0.23% | 1.90% | 3.20% |
| Q1 2025 | 12.28% | 0.30% | 0.12% | 0.99% | 3.04% |
| Q4 2024 | 12.64% | 0.11% | 0.12% | 1.02% | 2.95% |
| Q3 2024 | 12.61% | 0.42% | 0.13% | 1.02% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wallkill Valley Federal Savings and Loan Association (main office) | Wallkill , NY | 12589 | $132.2M |
| Newburgh Branch | Newburgh , NY | 12550 | $53.2M |
| Walden Branch | Walden , NY | 12586 | $52.2M |
| Rt 17M & James Rd Branch | Monroe , NY | 10950 | $41.1M |
| Milton Branch | Milton , NY | 12547 | $39.5M |
| Highland Falls Branch | Highland Falls , NY | 10928 | $32.9M |
| Otisville Branch | Otisville , NY | 10963 | $22.6M |
| Montgomery Branch | Montgomery , NY | 12549 | $21.6M |
| Maybrook Branch | Maybrook , NY | 12543 | $21.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 12, 2017 | Structure Change | Acquired Hometown Bank of the Hudson Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2012 | Structure Change | Acquired Highland Falls Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Wallkill Valley Federal Savings and Loan Association, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 30, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 110 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 142 applications, 101 loans originated, $44.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wallkill Valley Federal Savings and Loan Association
What are Wallkill Valley Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Wallkill Valley Federal Savings and Loan Association reported total assets of $485.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wallkill Valley Federal Savings and Loan Association headquartered?
Wallkill Valley Federal Savings and Loan Association is headquartered in Wallkill, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Wallkill Valley Federal Savings and Loan Association founded?
Wallkill Valley Federal Savings and Loan Association was established in 1913, per the FDIC institution directory.
Is Wallkill Valley Federal Savings and Loan Association FDIC-insured?
Yes. Wallkill Valley Federal Savings and Loan Association is an FDIC-insured savings institution (FDIC Certificate #28870). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wallkill Valley Federal Savings and Loan Association?
Wallkill Valley Federal Savings and Loan Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wallkill Valley Federal Savings and Loan Association's CET1 capital ratio?
Wallkill Valley Federal Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wallkill Valley Federal Savings and Loan Association operate?
Wallkill Valley Federal Savings and Loan Association operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wallkill Valley Federal Savings and Loan Association's Texas Ratio?
Wallkill Valley Federal Savings and Loan Association's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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