Wallkill Valley Federal Savings and Loan Association
Wallkill, NY · Cert 28870 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wallkill Valley Bcorp MHC
State savings bank · OCC · 9 branches
Q2 2026
$485.0MAssets
$352.3MLoans
$416.7MDeposits
$47.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on assets trails 77% of banks under $1B in assets operating in a single state (rank 578 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.67%
Rank 578 of 746
Net Interest Margin
3.36%
Rank 502 of 746
Efficiency Ratio
75.46%
Rank 559 of 746
Equity / Assets
9.68%
Rank 468 of 746
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.72% | 1.06% | 1.45% | Beats 23% | 578 / 746 | |
| Return on Equity | 6.89% | 6.74% | 10.51% | 13.63% | Beats 27% | 548 / 746 | |
| Net Interest Margin | 3.36% | 3.17% | 3.68% | 4.16% | Beats 33% | 502 / 746 | |
| Efficiency Ratio | 75.46% | 55.74% | 64.58% | 75.47% | Beats 25% | 559 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 346 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.55% | 11.55% | 13.75% | 17.60% | Beats 48% | 391 / 746 | |
| Total Risk-Based Capital Ratio | 14.77% | 11.71% | 14.33% | 18.43% | Beats 53% | 347 / 746 | |
| Equity / Assets | 9.68% | 8.90% | 10.51% | 13.06% | Beats 37% | 468 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 84.53% | 61.31% | 78.27% | 90.78% | 64th pctl | 267 / 746 | |
| Loans / Assets | 72.64% | 53.60% | 66.97% | 76.08% | 65th pctl | 264 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |