Bank Comparison
Wallkill Valley Federal Savings and Loan Association vs Blc Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| CET1 Ratio | 13.57% | 11.80% |
| Tier 1 Capital Ratio | 13.57% | 11.80% |
| Total Capital Ratio | 14.74% | 12.82% |
| Tier 1 Leverage Ratio | 9.19% | 9.96% |
| Equity / Assets | 9.68% | 8.96% |
Profitability
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.68% | 1.65% |
| Return on Equity (ROE) | 6.98% | 18.56% |
| Net Interest Margin (NIM) | 3.62% | 3.13% |
| Yield on Earning Assets | 5.26% | 5.51% |
| Cost of Funds | 1.68% | 2.55% |
Asset quality
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| Texas Ratio | 4.33% | 3.20% |
| Non-Performing Loan Ratio | 0.55% | 0.36% |
| Non-Performing Asset Ratio | 0.40% | 0.31% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.05% | 0.98% |
Balance sheet
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| Total Assets | $475,704K | $475,359K |
| Total Deposits | $409,089K | $387,184K |
| Total Loans | $343,128K | $392,313K |
| Total Equity | $46,047K | $42,608K |
| Net Income (quarter) | $797 | $1,954K |
Liquidity & funding
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.88% | 101.32% |
| Core Deposit Ratio | 86.83% | 90.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wallkill Valley Federal Savings and Loan Association | Blc Community Bank |
|---|---|---|
| Headquarters City | WALLKILL | LITTLE CHUTE |
| Headquarters State | NY | WI |
| Asset Tier | Small | Small |
| Charter Class | 702528 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 9 | 1 |
| Employees (FTE) | 75 | 33 |
| Established | Jan. 1, 1913, midnight | Dec. 6, 1906, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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