Valley National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Valley National Bank is the 43rd-largest bank in the United States, with $66.2 billion in assets at June 30, 2026, up 5.7% from a year earlier. It is headquartered in Passaic, New Jersey, and operates 232 domestic branches. It holds commercial real estate loans worth 3.3 times its capital, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). It also returns 8.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 11.1%).
Net income for the quarter rose 27% from a year earlier, to $180 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.72% a year earlier. Credit is the area to watch: it carries problem assets equal to 6.9% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, Valley National Bank reported a CET1 capital ratio of 12.28%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 6.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 615 Main Ave, Passaic, NJ 07055
- County
- Passaic
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1927
- Former names
- Bank of Passaic and Clifton, National Association (1970-1976); Bank of Passaic and Clifton (1958-1970); Bank of Passaic and Trust Company (1937-1958)
- Offices
- 232 domestic
- Employees (FTE)
- 3,432
- Domestic deposits
- $54.34B
- Allowance for credit losses
- $590.1M
- Net charge-offs (YTD)
- $39.6M
- Average total assets
- $65.62B
- Average total loans
- $51.15B
- Average interest-bearing deposits
- $40.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9396
- Fed RSSD
- 229801
- SEC CIK
- 714310 → filed by VALLEY NATIONAL BANCORP
- Website
- www.valley.com →
- Parent Holding Company
- VALLEY NATIONAL BANCORP (RSSD 1048773) · VLY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ira Robbins | CEO | Chief Executive Officer |
| Thomas A Iadanza | PRES | President |
| Travis Lan | CFO | SEVP, Chief Financial Officer |
| Russell Barrett | COO | SEVP, Chief Operating Officer |
| Mark Saeger | CCO | EVP, Chief Credit Officer |
| John P Regan | CRO | SEVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Valley National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Valley National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Valley National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.28% | 1.09% | 0.91% | 6.85% | 3.27% |
| Q1 2026 | 12.42% | 1.06% | 0.87% | 6.52% | 3.22% |
| Q4 2025 | 12.46% | 1.25% | 0.87% | 6.49% | 3.23% |
| Q3 2025 | 12.48% | 1.05% | 0.87% | 6.44% | 3.11% |
| Q2 2025 | 12.51% | 0.91% | 0.72% | 5.44% | 3.09% |
| Q1 2025 | 12.63% | 0.75% | 0.73% | 5.45% | 3.04% |
| Q4 2024 | 12.51% | 0.50% | 0.75% | 5.83% | 3.00% |
| Q3 2024 | 11.32% | 0.65% | 0.60% | 5.10% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 228 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wayne Valley Ii Branch | Wayne , NJ | 07470 | $12.74B |
| Fifth Avenue Branch | New York , NY | 10016 | $4.10B |
| East Palo Alto Branch | East Palo Alto , CA | 94303 | $2.01B |
| Chelsea Branch | New York , NY | 10010 | $1.16B |
| Downtown Tampa Branch | Tampa , FL | 33602 | $923.3M |
| Aventura Branch | Aventura , FL | 33180 | $917.5M |
| Brickell Branch | Miami , FL | 33131 | $618.5M |
| Staten Island Branch | Staten Island , NY | 10314 | $551.2M |
| Clearwater Branch | Clearwater , FL | 33755 | $538.7M |
| Sarasota Office | Sarasota , FL | 34236 | $496.7M |
| Mayflower Branch | Livingston , NJ | 07039 | $484.8M |
| Boca Raton Branch | Boca Raton , FL | 33432 | $451.7M |
| Valley National Bank (main office) | Passaic , NJ | 07055 | $450.0M |
| Richfield Branch | Clifton , NJ | 07012 | $429.1M |
| South Tampa Branch | Tampa , FL | 33629 | $415.4M |
| Madison Avenue Branch | New York , NY | 10017 | $395.7M |
| Westshore Branch | Tampa , FL | 33609 | $395.5M |
| Fort Lauderdale Branch | Fort Lauderdale , FL | 33301 | $394.8M |
| Orlando Branch | Orlando , FL | 32801 | $382.7M |
| White Plains Branch | White Plains , NY | 10605 | $373.7M |
| Brandon Branch | Brandon , FL | 33511 | $371.3M |
| Pga Office | North Palm Beach , FL | 33408 | $363.2M |
| Carrollwood Branch | Tampa , FL | 33618 | $314.2M |
| Succasunna Branch | Succasunna , NJ | 07876 | $303.3M |
| Jupiter Branch | Jupiter , FL | 33477 | $294.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Bank Leumi USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | Structure Change | Acquired The Westchester Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2019 | Structure Change | Acquired Oritani Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Structure Change | Acquired VNB Lsi Newco, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired USAmeriBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2015 | Structure Change | Acquired CNLBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2014 | Structure Change | Acquired 1st United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired State Bank of Long Island Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | Structure Change | Acquired VNB Mortgage Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 13, 2010 | Structure Change | Acquired The Park Avenue Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 12, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 12, 2010 | Structure Change | Acquired Libertypointe Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 11, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired Greater Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 2005 | Structure Change | Acquired NorCrown Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | Structure Change | Acquired Shrewsbury State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 27, 2001 | Structure Change | Acquired VNB Del, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 2001 | Structure Change | Acquired The Merchants Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1999 | Structure Change | Acquired The Ramapo Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 1998 | Structure Change | Acquired Wayne Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1997 | Structure Change | Acquired The Midland Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1995 | Structure Change | Acquired Lakeland Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1995 | Structure Change | Acquired American Union Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1994 | Structure Change | Acquired RockBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 1993 | Structure Change | Acquired Peoples Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1993 | Structure Change | Acquired Mayflower Savings Bank SLA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 1992 | Structure Change | Acquired Powder Mill Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 22, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 47 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Valley National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action July 9, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.7% of deposits in NJ, rank 6 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,786 applications, 3,036 loans originated, $1.69B originated, across 29 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 39 loans, $51.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Valley National Bank
What are Valley National Bank's total assets?
As of the Q2 2026 filing, Valley National Bank reported total assets of $66.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Valley National Bank headquartered?
Valley National Bank is headquartered in Passaic, NJ, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Valley National Bank founded?
Valley National Bank was established in 1927, per the FDIC institution directory.
Is Valley National Bank FDIC-insured?
Yes. Valley National Bank is an FDIC-insured commercial bank (FDIC Certificate #9396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley National Bank?
Valley National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Valley National Bank's CET1 capital ratio?
Valley National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.28% in its Q2 2026 call report, above regulatory requirements.
How many branches does Valley National Bank operate?
Valley National Bank operates 232 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley National Bank's Texas Ratio?
Valley National Bank's Texas Ratio is 6.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Valley National Bank previously called?
The charter now named Valley National Bank has also operated as Bank of Passaic and Clifton, National Association (1970-1976), Bank of Passaic and Clifton (1958-1970), Bank of Passaic and Trust Company (1937-1958), per FDIC structure-change records.
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