Sunnyside Federal Savings and Loan Association of Irvington: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 19.83% was up 115bps from the prior quarter. Sunnyside Federal Savings and Loan Association of Irvington is the primary bank subsidiary of its parent holding company, headquartered in Irvington, NY. As of Q2 2026, the bank held approximately $82M in total assets and $72M in deposits. Earnings turned negative this period, with ROA at -0.73%. Capital is comfortably above regulatory requirements, CET1 ratio of 19.83% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.18% NPLs and a 0.89% Texas Ratio. The bank operates from a single office.
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%, a Texas ratio of 0.89%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- Employees (FTE)
- 12
- Domestic deposits
- $72.2M
- Allowance for credit losses
- $584K
- Net charge-offs (YTD)
- -$4K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28805
- Fed RSSD
- 516873
- SEC CIK
- 1932218 → filed by VECTA PARTNERS LLC
- Website
- www.sunnysidefederal.com →
- Parent Holding Company
- VECTA INC. (RSSD 4495220)
- Ultimate Parent
- VECTA PARTNERS LLC (RSSD 5620636)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Sunnyside Federal Savings and Loan Association of Irvington, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 0.36% | 2.49% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sunnyside Federal Savings and Loan Association of Irvington (main office) | Irvington , NY | 10533 | $72.2M |
Regulatory record
What the public regulatory sources show for Sunnyside Federal Savings and Loan Association of Irvington, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sunnyside Federal Savings and Loan Association of Irvington headquartered?
Sunnyside Federal Savings and Loan Association of Irvington is headquartered in Irvington, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sunnyside Federal Savings and Loan Association of Irvington founded?
Sunnyside Federal Savings and Loan Association of Irvington was established in 1929, per the FDIC institution directory.
Is Sunnyside Federal Savings and Loan Association of Irvington FDIC-insured?
Yes. Sunnyside Federal Savings and Loan Association of Irvington is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sunnyside Federal Savings and Loan Association of Irvington's CET1 capital ratio?
Sunnyside Federal Savings and Loan Association of Irvington 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?
Sunnyside Federal Savings and Loan Association of Irvington 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?
Sunnyside Federal Savings and Loan Association of Irvington's Texas Ratio is 0.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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