Sunnyside Fs&la of Irvington
Irvington, New York · FDIC Cert #28805
Sunnyside Fs&la of Irvington is an FDIC-insured bank (Certificate #28805) with $91M in total assets and $75M in total deposits as of the Q2 2024 Call Report. Headquartered in Irvington, New York, the bank maintains a Tier 1 capital ratio of 22.14% (Well-Capitalized) and a nonperforming loan ratio of 0.14%. BankHealthData assigns a composite Health Grade of A (89/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sunnyside Fs&la of Irvington (FDIC cert 28805) is a community bank — $91M in total assets, $75M in deposits, serving the Irvington, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.14% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.14% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 35.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -2.62% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Sunnyside Fs&la of Irvington carries a composite BankHealth grade of A (89/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sunnyside Fs&la of Irvington
- Total Assets
- $91M
- Total Deposits
- $75M
- Tier 1 Capital Ratio
- 22.14%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.14%
- Liquidity Ratio
- 35.85%
- Return on Assets
- -2.62%
- Headquarters
- Irvington, New York
- FDIC Certificate
- #28805
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sunnyside Fs&la of Irvington holds a Tier 1 capital ratio of 22.14%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sunnyside Fs&la of Irvington has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sunnyside Fs&la of Irvington shows strong financial health indicators. With $91M in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sunnyside Fs&la of Irvington Compares
Sunnyside Fs&la of Irvington’s Health Score of 89 is 18 points above the New York state average of 71 across 130 FDIC-insured banks. Its 22.14% Tier 1 capital ratio is 8.1 points above the US banking industry average near 14%. The 0.14% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -2.62% is below the national ROA benchmark of ~1.1%. Among 1025 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Sunnyside Fs&la of Irvington is 19 points above the portfolio average of 70.
Frequently Asked Questions
Sunnyside Fs&la of Irvington has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.14%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sunnyside Fs&la of Irvington's Tier 1 capital ratio of 22.14% and nonperforming loan ratio of 0.14% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sunnyside Fs&la of Irvington is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28805). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sunnyside Fs&la of Irvington holds $91M in total assets and $75M in total deposits. It is headquartered in Irvington, New York (FDIC Certificate #28805).
Sunnyside Fs&la of Irvington has a Tier 1 capital ratio of 22.14%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.14%, and the return on assets is -2.62%.
Yes. Sunnyside Fs&la of Irvington is FDIC-insured (Certificate #28805). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sunnyside Fs&la of Irvington's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.