Sunnyside Federal Savings and Loan Association of Irvington
Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured savings institution headquartered in Irvington, NY, supervised by the OCC, with $82.3M in total assets at Q2 2026, down 5.0% from Q2 2025, the 101st largest of 105 banks headquartered in New York. It was established in 1929 and holds FDIC certificate 28805. Its CET1 capital ratio was 19.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28805
- Headquarters
- Irvington, NY
- Established
- 1929
- Total assets, Q2 2026
- $82.3M
- Assets vs Q2 2025
- -5.0%
- CET1 ratio, Q2 2026
- 19.83%
- Domestic offices
- 1 · Sunnyside Federal Savings and Loan Association of Irvington branches FDIC institution directory, current count
- Routing number
- 221972027
- Safety and soundness
- Is Sunnyside Federal Savings and Loan Association of Irvington safe?
- Latest call report
- Q2 2026, FFIEC 051 · Sunnyside Federal Savings and Loan Association of Irvington Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- VECTA INC.
- Asset rank in state
- 101st of 105 in New York
Sunnyside Federal Savings and Loan Association of Irvington spends more to run itself than most banks of its size. Based in Irvington, New York, it had $82 million in assets at June 30, 2026, down 5.0% from a year earlier. It loses about $0.73 a year on every $100 of assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median $1.04). It also spends about 123 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $154,000 in the quarter. Over the same year, loans grew 6.8% and deposits shrank 5.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, 6.8 times the median of 30% for banks its size.
As of June 30, 2026, Sunnyside Federal Savings and Loan Association of Irvington reported a CET1 capital ratio of 19.83%, a return on assets of -0.73%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.89%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Sunnyside Federal Savings and Loan Association of Irvington is the 101st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.4% to $82.3M, loans fell 1.1% and deposits fell 4.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.8% of total loans, followed by non-owner-occupied commercial real estate loans at 25.7%. The FDIC Summary of Deposits lists a single office for it, in Irvington, NY. On its Q2 2026 call report, Sunnyside Federal Savings and Loan Association of Irvington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 56 Main St, Irvington, NY 10533
- County
- Westchester
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- 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, 1929
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $72.2M
- Allowance for credit losses
- $584K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $84.2M
- Average total loans
- $44.0M
- Average interest-bearing deposits
- $62.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28805
- Fed RSSD
- 516873
- Website
- www.sunnysidefederal.com →
- Parent Holding Company
- VECTA INC. (RSSD 4495220)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sunnyside Federal Savings and Loan Association of Irvington's total assets ranged from $82.3M (Q2 2026) to $95.4M (Q3 2025), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$82.3M total assets against $86.6M; $72.5M total liabilities against $76.3M.
$46.0M net loans and leases against $43.1M; $72.2M total deposits against $76.0M.
$19.3M securities against $24.2M; $7.9M cash and balances due against $9.6M.
$1.1M total interest income against $1.1M; $338K total interest expense against $366K.
$738K net interest income against $723K.
$29K total noninterest income against $46K; $945K total noninterest expense against $936K.
-$34K provision for credit losses against $145K.
-$154K net income against -$321K.
-0.73% return on assets against -1.45%; 4.16% net interest margin against 3.77%.
19.83% CET1 capital ratio against 22.28%; 12.26% tier 1 leverage ratio against 12.43%.
Inside the full Sunnyside Federal Savings and Loan Association of Irvington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sunnyside Federal Savings and Loan Association of Irvington rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -25.00% (Q4 2024) to 0.33% (Q4 2025) and its net interest margin ran from 3.70% (Q1 2025) to 4.25% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.83% | -0.73% | 0.18% | 0.89% | 4.16% |
| Q1 2026 | 18.68% | -0.96% | 0.20% | 0.96% | 3.78% |
| Q4 2025 | 19.84% | 0.33% | 0.20% | 0.87% | 3.97% |
| Q3 2025 | 19.53% | -2.44% | 0.31% | 1.37% | 3.99% |
| Q2 2025 | 22.28% | -1.45% | 0.22% | 0.97% | 3.77% |
| Q1 2025 | 21.88% | -1.25% | 0.11% | 0.50% | 3.70% |
| Q4 2024 | 22.17% | -25.00% | 0.12% | 0.52% | 4.17% |
| Q3 2024 | 21.79% | -0.46% | 0.59% | 2.49% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sunnyside Federal Savings and Loan Association of Irvington (main office) | Irvington , NY | 10533 | $72.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC (former OTS))
- January 6, 2011, OCC (former OTS): Termination of Cease and Desist: Sunnyside FS&LA of Irvington
- August 21, 2009, OCC (former OTS): Amended Orders to Cease and Desist: Sunnyside FS&LA of Irvington
- September 14, 2007, OCC (former OTS): Cease and Desist: Sunnyside FS&LA of Irvington
- Period: Most recent institution action January 6, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 158 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $900K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sunnyside Federal Savings and Loan Association of Irvington
What are Sunnyside Federal Savings and Loan Association of Irvington's total assets?
As of the Q2 2026 filing, Sunnyside Federal Savings and Loan Association of Irvington reported total assets of $82.3 million in its FFIEC call report.
Where is Sunnyside Federal Savings and Loan Association of Irvington headquartered?
It is headquartered in Irvington, NY, United States.
When was Sunnyside Federal Savings and Loan Association of Irvington founded?
It was established in 1929, per the FDIC institution directory.
Is Sunnyside Federal Savings and Loan Association of Irvington FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunnyside Federal Savings and Loan Association of Irvington?
Sunnyside Federal Savings and Loan Association of Irvington's primary federal regulator is the OCC.
What is Sunnyside Federal Savings and Loan Association of Irvington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sunnyside Federal Savings and Loan Association of Irvington operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunnyside Federal Savings and Loan Association of Irvington's Texas Ratio?
Its Texas Ratio is 0.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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