Wallkill Valley Federal Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 68.4% higher than in Q1 2026, at $12.2M. Wallkill Valley Federal Savings and Loan Association ranks 54th of 105 New York banks on loan-to-deposit ratio, in the lower half at 84.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wallkill Valley Federal Savings and Loan Association sits 3.70 points higher, at 84.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.0M |
| Fed funds sold and reverse repos | $12.2M |
| Fed funds sold and reverse repos to assets | 2.51% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.53% |
| Net loans and leases to deposits | 83.61% |
| Loans and leases to core deposits | 97.10% |
| Core deposits to total deposits | 85.61% |
| Brokered deposits to total deposits | 5.04% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.65% | 87.33% | $0 | $25.5M |
| Q4 2023 | 82.65% | 88.89% | $0 | $22.5M |
| Q1 2024 | 81.63% | 88.74% | $0 | $19.5M |
| Q2 2024 | 82.32% | 87.67% | $0 | $19.5M |
| Q3 2024 | 80.49% | 84.11% | $0 | $18.0M |
| Q4 2024 | 82.49% | 84.06% | $0 | $17.0M |
| Q1 2025 | 81.07% | 84.45% | $0 | $16.0M |
| Q2 2025 | 82.25% | 85.42% | $0 | $13.0M |
| Q3 2025 | 85.58% | 85.62% | $0 | $17.0M |
| Q4 2025 | 85.36% | 85.29% | $0 | $18.0M |
| Q1 2026 | 83.88% | 84.95% | $0 | $15.0M |
| Q2 2026 | 84.53% | 85.61% | $0 | $15.0M |
Wallkill Valley Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wallkill Valley Federal Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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 Wallkill Valley Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28870) · FFIEC NIC profile (RSSD 7072)