BanksVALLEY NATIONAL BANK

VALLEY NATIONAL BANK

PASSAIC, NJRegionalEst. Jan. 1, 1927, midnightFDIC #9396RSSD #229801OCC
Latest · 2025-12-31

VALLEY NATIONAL BANK is an FDIC-insured commercial bank headquartered in PASSAIC, NJ, established in Jan. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $64.1B and total deposits of $52.3B. Profitability stands at 1.24% ROA and 9.71% ROE, with a net interest margin of 3.24%. CET1 capital ratio: 12.46%, well above regulatory minimums. NPL ratio: 0.87% · Texas Ratio: 5.00%. Operates 233 domestic branches.

Assets
$64.1B
Deposits
$52.3B
Loans
$50.2B
Equity
$8.2B

Profitability

Return on Assets (ROA)1.24%
Return on Equity (ROE)9.71%
Net Interest Margin3.24%
Yield on Assets5.58%
Cost of Funds2.52%

Asset Quality

NPL Ratio0.87%
Net Charge-Off Ratio0.23%
Texas Ratio5.00%
NPA Ratio0.68%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio12.46%
Tier 1 Capital12.46%
Total Capital Ratio13.54%
Leverage Ratio10.27%
Loan-to-Deposit95.90%

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