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Wallkill Valley Federal Savings and Loan Association

Wallkill, NY · Cert 28870 · Wallkill Valley Bcorp MHC

State savings bank · OCC · 9 branches

Q2 2026

$485.0MAssets
$352.3MLoans
$416.7MDeposits
$47.0MEquity
Loan mix
91%RE $312.6M8%C&I $28.4M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $330.2M21%Noninterest $86.5MQ2 2025Q2 2026

NIM

4.39%Q2 ’244.66%Q2 ’254.80%Q2 ’26+9%+17%

Non-interest income vs. expense

2.76%Q2 ’242.80%Q2 ’252.92%Q2 ’26-4%+6%

Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 1.3% share · #18 of 26 inst. · $0.2B of $19.5B

2.3% Orange
3.5% Ulster

Executive Summary

  • Earnings: ROA of 0.68%, up 29 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.17%, up 39 bps from a year ago.
  • Funding: loans stand at 84.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+50 bps YoY

Efficiency Ratio (YTD, annualized)

74.61%-695 bps YoY

Tier 1 Leverage Ratio

9.17%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.41%0.41%0.68%0.68%+29 bps
Return on Equity4.25%4.35%4.39%6.98%7.02%+277 bps
Net Interest Margin2.87%2.98%3.05%3.34%3.36%+50 bps
Efficiency Ratio81.56%79.54%80.74%76.14%74.61%-695 bps
Non-Interest Burden2.24%2.26%2.36%2.41%2.37%+14 bps
Growth
Asset Growth (YoY)4.67%-1.06%0.55%1.42%2.63%-204 bps
Loan Growth (YoY)6.35%4.61%2.95%4.39%4.34%-201 bps
Deposit Growth (YoY)6.44%-1.62%-0.52%0.90%1.52%-491 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.11%0.12%0.07%0.00%-23 bps
Net Charge-Offs / Loans0.07%0.18%0.12%0.02%-0.01%-8 bps
Allowance / Loans1.02%1.04%1.06%1.05%1.10%+8 bps
Allowance Coverage of NPLs4.4x9.0x8.5x15.1xn/an/a
Capital
Tier 1 Leverage Ratio8.79%8.83%9.05%9.19%9.17%+39 bps
Total Risk-Based Capital13.89%14.25%14.66%14.74%14.77%+89 bps
Equity / Assets9.29%9.64%9.75%9.68%9.68%+40 bps
Liquidity & Funding
Loans / Deposits82.25%85.58%85.36%83.88%84.53%+228 bps
Liquid Assets / Assets8.49%8.14%7.96%8.24%7.08%-141 bps
CRE / Total Capitaln/a216%214%198.43%n/an/a