Sunnyside Federal Savings and Loan Association of Irvington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.43 percentage points in Q2 2026, from 213.44% to 205.02%. It was the largest change from Q1 2026 among the key lines here. Within New York, Sunnyside Federal Savings and Loan Association of Irvington is 84th of 105 on loan-to-deposit ratio, 64.52% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Sunnyside Federal Savings and Loan Association of Irvington sits 3.10 points lower, at 64.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.6M |
| Net loans and leases | $46.0M |
| Loans held for sale | $0 |
| Loans to total assets | 56.65% |
| Loan-to-deposit ratio | 64.52% |
| Net loans to equity capital | 4.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.36% |
| Multifamily (5+ residential) | 21.82% |
| Commercial and industrial | 2.46% |
| Consumer | 3.54% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.02% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.17% |
| Interest income on loans | $789K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $32.2M | $69.7M | 27.10% | 7.06% | 4.77% |
| Q4 2023 | $36.2M | $71.1M | 32.27% | 6.06% | 4.04% |
| Q1 2024 | $39.9M | $71.5M | 34.25% | 5.51% | 4.34% |
| Q2 2024 | $43.4M | $74.7M | 37.87% | 5.04% | 6.36% |
| Q3 2024 | $45.1M | $74.1M | 36.03% | 4.87% | 5.88% |
| Q4 2024 | $42.9M | $77.7M | 35.26% | 4.36% | 5.31% |
| Q1 2025 | $44.6M | $76.8M | 33.62% | 3.41% | 5.01% |
| Q2 2025 | $43.6M | $76.0M | 34.05% | 3.28% | 4.77% |
| Q3 2025 | $43.4M | $84.9M | 32.12% | 3.16% | 4.71% |
| Q4 2025 | $43.3M | $76.7M | 31.90% | 2.90% | 4.55% |
| Q1 2026 | $47.1M | $75.7M | 32.13% | 2.56% | 3.75% |
| Q2 2026 | $46.6M | $72.2M | 31.36% | 2.46% | 3.54% |
Sunnyside Federal Savings and Loan Association of Irvington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunnyside Federal Savings and Loan Association of Irvington, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sunnyside Federal Savings and Loan Association of Irvington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28805) · FFIEC NIC profile (RSSD 516873)