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Wallkill Valley Federal Savings And Loan Association
Wallkill, NY · FDIC Certificate #28870 · Chartered 01/0
Total assets
$484.97M
Total deposits
$416.71M
Total equity
$46.97M
Net loans
$348.39M
Branches (offices)
9
Net income (YTD)
$1.62M
Rank: #1,827 of 4,213 U.S. banks by assets · #79 of 115 in New York. Assets changed 2.6% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.02% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 9.68% |
| Tier 1 leverage ratio | 9.17% |
| Uninsured deposits (share of deposits) | 20.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $322.01M | 92.4% | |
| Commercial & industrial | $28.22M | 8.1% | |
| Consumer / individual | $2.03M | 0.6% | |
| Construction & development | $10.27M | 2.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $455.36M | $407.14M | $552.00K | $39.72M |
| Jun 2023 | $452.07M | $388.34M | $629.00K | $40.09M |
| Jun 2024 | $451.44M | $385.63M | $513.00K | $41.28M |
| Jun 2025 | $472.52M | $410.45M | $915.00K | $43.89M |
| Jun 2026 | $484.97M | $416.71M | $1.62M | $46.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $416.71M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $416.71M.
Similar-sized banks
Peoples Independent Bank ($485.68M) · American Eagle Bank ($484.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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