Wallkill Valley Federal Savings and Loan Association
Wallkill, NY
IDRSSD: 7072
Total Assets
$464.86M
Latest filing
Total Deposits
$396.21M
Latest filing
Net Interest Margin
3.49%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Wallkill Valley Federal Savings and Loan Association
23 Wallkill Ave
Wallkill, NY 12589
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1913FDIC Certificate 41704
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Wallkill Valley Federal Savings and Loan Association (Main) | 23 Wallkill Ave | Wallkill, NY |
| MONTGOMERY BRANCH | 201 Ward St | Montgomery, NY |
| RT 17M & JAMES RD BRANCH | 412 State Highway 17m | Monroe, NY |
| WALDEN BRANCH | 12 Main St | Walden, NY |
| HIGHLAND FALLS BRANCH | 252 Main St | Highland Falls, NY |
| OTISVILLE BRANCH | 16 Sanitorium Ave | Otisville, NY |
| MILTON BRANCH | 1880 Route 9w | Milton, NY |
| MAYBROOK BRANCH | 205 Homestead Ave | Maybrook, NY |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12589 |
| State and County Number | 36111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Kingston, NY |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.wallkill.com |
| Data Updated | 01/30/2026 |
| CERT | 28870 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $464.86M |
| Total Deposits | $396.21M |
| Total Liabilities | $419.53M |
| Total Equity Capital | $45.33M |
| Net Income | $507.00k |
| Net Loans and Leases | $334.64M |
| Assets Per Employee ($Millions) | $6.37M |
| Bank Premises and Fixed Assets | $11.95M |
| Cash and Balances due from Depository Institutions | $9.10M |
| Deposits Held in Domestic Offices | $396.21M |
Key Performance Ratios
| Return on Assets (ROA) | 0.44% |
| Return on Equity (ROE) | 4.5% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 84.18% |
| Tier 1 Risk-Based Capital Ratio | 13.487% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.751% |
| Earning Assets to total Assets | 89.82% |
Income and Expense
| Total Interest Income | $5.53M |
| Total Noninterest Income | $710.00k |
| Total Interest Expense | $1.89M |
| Total Noninterest Expense | $3.71M |
| Net Interest Income | $3.64M |
| Pre-tax Net Operating Income | $649.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $18.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.23M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.32M |
| Total Liabilities and Capital | $464.86M |
Securities
| Securities | $75.20M |
| Available-for-sale debt securities | $39.63M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $35.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Wallkill Valley Federal Savings and Loan Association?
$464.86M as of the latest filing.
How much are Wallkill Valley Federal Savings and Loan Association's total deposits?
$396.21M in total deposits.
Where is Wallkill Valley Federal Savings and Loan Association located?
Wallkill, NY.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.44%.
How much are total loans and leases?
$334.64M (latest filing).
What is the total interest income (latest filing)?
$5.53M.