Wallkill Valley Federal Savings and Loan Association
Total assets
$485.0M
▲ +2.6% YoY
Deposits
$416.7M
▲ +1.5% YoY
Loans
$348.4M
▲ +4.3% YoY
Offices
9
WALLKILL VALLEY BCORP MHC
ROA (annualized)
0.68%
peers 1.24%
ROE (annualized)
7.02%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.3 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1913
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- WALLKILL VALLEY BCORP MHC
- Specialization
- Mortgage Lending Specialization
- Address
- 23 Wallkill Ave, Wallkill, NY, 12589
- County
- Ulster
- Metro area
- Kingston, NY
- Offices
- 9
- FDIC cert #
- 28870
- RSSD ID
- 7072
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.0M | $416.7M | $348.4M | $47.0M | $1.6M | 0.68% | 3.74% | 0.00% |
| Q1 2026 | $475.7M | $409.1M | $339.5M | $46.0M | $797K | 0.68% | 3.68% | 0.05% |
| Q4 2025 | $464.9M | $396.2M | $334.6M | $45.3M | $1.9M | 0.41% | 3.36% | 0.09% |
| Q3 2025 | $464.7M | $397.6M | $336.7M | $44.8M | $1.4M | 0.41% | 3.32% | 0.08% |
| Q2 2025 | $472.5M | $410.4M | $334.2M | $43.9M | $915K | 0.39% | 3.15% | 0.29% |
| Q1 2025 | $469.0M | $405.5M | $325.3M | $43.0M | $341K | 0.29% | 3.06% | 0.21% |
| Q4 2024 | $462.3M | $398.3M | $325.2M | $42.3M | $1.1M | 0.24% | 2.99% | 0.09% |
| Q3 2024 | $469.7M | $404.1M | $322.1M | $42.7M | $984K | 0.29% | 2.99% | 0.09% |
Loan mix (Q2 2026): real estate $322.0M · commercial $28.2M · consumer $2.0M · securities $74.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 62.9% | 77th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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