Wallkill Valley Federal Savings and Loan Association: 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.
The standout move of Q2 2026 was in Loans held for sale: 274.8% higher than in Q1 2026, at $4.9M. Within New York, Wallkill Valley Federal Savings and Loan Association is 54th of 105 on loan-to-deposit ratio, 84.53% as of Q2 2026, below the middle of the field. Wallkill Valley Federal Savings and Loan Association reported 84.53% on loan-to-deposit ratio for Q2 2026, 3.59 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $352.3M |
| Net loans and leases | $348.4M |
| Loans held for sale | $4.9M |
| Loans to total assets | 72.64% |
| Loan-to-deposit ratio | 84.53% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.92% |
| Multifamily (5+ residential) | 5.73% |
| Commercial and industrial | 8.01% |
| Consumer | 0.58% |
| Credit cards | 0.00% |
| Farm | 1.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.04% |
| Construction concentration (Tier 1 capital + allowance) | 21.70% |
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 | 5.99% |
| Interest income on loans | $5.2M |
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 | $313.0M | $383.3M | 17.23% | 8.88% | 0.78% |
| Q4 2023 | $308.7M | $373.4M | 17.11% | 8.91% | 0.84% |
| Q1 2024 | $310.1M | $379.9M | 17.13% | 9.33% | 0.82% |
| Q2 2024 | $317.5M | $385.6M | 16.92% | 9.45% | 0.79% |
| Q3 2024 | $325.3M | $404.1M | 17.53% | 8.80% | 0.74% |
| Q4 2024 | $328.5M | $398.3M | 16.77% | 9.25% | 0.78% |
| Q1 2025 | $328.7M | $405.5M | 15.35% | 9.42% | 0.70% |
| Q2 2025 | $337.6M | $410.4M | 16.04% | 9.14% | 0.75% |
| Q3 2025 | $340.3M | $397.6M | 15.78% | 8.88% | 0.50% |
| Q4 2025 | $338.2M | $396.2M | 17.41% | 7.85% | 0.43% |
| Q1 2026 | $343.1M | $409.1M | 16.44% | 8.27% | 0.63% |
| Q2 2026 | $352.3M | $416.7M | 15.92% | 8.01% | 0.58% |
Wallkill Valley Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wallkill Valley Federal Savings and Loan Association, 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 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)