Wallkill Valley Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Wallkill Valley Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Wallkill, NY, established in 1913 (FDIC certificate 28870), and it is supervised by the OCC. At Q2 2026 it reported total assets of $485.0M, up 2.6% from Q2 2025, the 73rd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28870
- Headquarters
- Wallkill, NY
- Established
- 1913
- Total assets, Q2 2026
- $485.0M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 221972234
- Latest call report
- Q2 2026, FFIEC 051 · Wallkill Valley Federal Savings and Loan Association call report
- Holding company
- WALLKILL VALLEY BANCORP, INC.
- Asset rank in state
- 73rd of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
Wallkill Valley Federal Savings and Loan Association ranks as the 73rd largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $485.0M, loans rose 2.7% and deposits rose 1.9%. 1-4 family residential loans made up 65.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 9.0%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in NY; its Wallkill office books 32% of its branch deposits. On its Q2 2026 call report, Wallkill Valley Federal Savings and Loan Association meets every capital ratio test for well capitalized.
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
- Domestic offices
- 9 FDIC institution directory, current count
- 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
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. 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, Wallkill Valley Federal Savings and Loan Association's total assets ranged from $441.6M (Q4 2023) to $485.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$485.0M total assets against $472.5M; $438.0M total liabilities against $428.6M.
$348.4M net loans and leases against $334.2M; $416.7M total deposits against $410.4M.
$74.1M securities against $80.2M; $19.9M cash and balances due against $18.3M.
$5.9M total interest income against $5.6M; $1.8M total interest expense against $2.1M.
$4.1M net interest income against $3.4M.
$641K total noninterest income against $801K; $3.5M total noninterest expense against $3.3M.
$225K provision for credit losses against $200K.
$822K net income against $574K.
0.69% return on assets against 0.49%; 3.73% net interest margin against 3.20%.
13.55% CET1 capital ratio against 12.79%; 9.17% tier 1 leverage ratio against 8.79%.
Inside the full Wallkill Valley Federal Savings and Loan Association 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.
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
Its closest position to the top of a national ranking is 1,820 of 4,196, for total assets; its furthest is 3,414 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q4 2024) to 0.69% (Q2 2026) and its net interest margin ran from 2.95% (Q4 2024) to 3.73% (Q2 2026).
| 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
View all 9 branches → 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 176 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.
- Not on file
- SBA 7(a) lending, 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 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.
Where is Wallkill Valley Federal Savings and Loan Association headquartered?
It is headquartered in Wallkill, NY, United States.
When was Wallkill Valley Federal Savings and Loan Association founded?
It was established in 1913, per the FDIC institution directory.
Is Wallkill Valley Federal Savings and Loan Association FDIC-insured?
Yes. It 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.
What is Wallkill Valley Federal Savings and Loan Association's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% 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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