WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION

WALLKILL, NY | Small | Est. Jan. 1, 1913, midnight | FDIC #28870 | RSSD #7072 | OCC
Latest Report: 2025-12-31

WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in WALLKILL, NY, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $465M and total deposits of $396M. Profitability stands at 0.44% ROA and 4.50% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 13.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.34%. FDIC Certificate #28870.

Assets

$465M

Deposits

$396M

Loans

$338M

Equity

$45M

Profitability

Return on Assets (ROA) 0.44%
Return on Equity (ROE) 4.50%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.17%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.12%
Texas Ratio 0.34%
NPA Ratio 0.04%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 13.49%
Tier 1 Capital 13.49%
Total Capital Ratio 14.66%
Leverage Ratio 9.05%
Loan-to-Deposit 85.36%

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