Bank Safety Analysis
Is New Valley Bank & Trust Safe?
New Valley Bank & Trust shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
Return on assets dropped 0.67 percentage points in Q2 2026, from 0.43% to -0.24%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, New Valley Bank & Trust is 3rd from the bottom among 59 Massachusetts banks, 10.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. New Valley Bank & Trust sits 4.28 points lower, at 10.79% (Q2 2026). From Q3 2023 to Q2 2026, New Valley Bank & Trust's CET1 ratio ranged between 9.84% (Q1 2025) and 11.72% (Q3 2023) and its Texas ratio ranged between 4.73% (Q3 2023) and 30.47% (Q1 2025). Compared with Q2 2025, New Valley Bank & Trust's CET1 ratio from 10.10% to 10.79%, noncurrent loans to total loans from 3.53% to 2.34%, Texas ratio from 29.21% to 18.23%, return on assets from -0.37% to -0.24% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 10.79% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 7.45% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.34% are elevated; merits closer attention.
Texas Ratio of 18.2% is well below the 100% historical failure threshold.
Efficiency ratio of 97.7% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 10.79% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 18.23% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.34% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 78.81% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 248.43% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 3.32% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 10.79% |
| Q1 2026 | 10.71% |
| Q4 2025 | 10.42% |
| Q3 2025 | 10.33% |
| Q2 2025 | 10.10% |
| Q1 2025 | 9.84% |
| Q4 2024 | 10.59% |
| Q3 2024 | 9.97% |
| Q2 2024 | 11.11% |
| Q1 2024 | 10.60% |
| Q4 2023 | 11.14% |
| Q3 2023 | 11.72% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 18.23% |
| Q1 2026 | 21.73% |
| Q4 2025 | 25.42% |
| Q3 2025 | 26.49% |
| Q2 2025 | 29.21% |
| Q1 2025 | 30.47% |
| Q4 2024 | 22.69% |
| Q3 2024 | 22.35% |
| Q2 2024 | 15.83% |
| Q1 2024 | 19.49% |
| Q4 2023 | 5.61% |
| Q3 2023 | 4.73% |
New Valley Bank & Trust by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 10.79% | 2.34% | 18.23% | -0.24% |
| Mar 31, 2026 | 10.71% | 2.69% | 21.73% | 0.43% |
| Dec 31, 2025 | 10.42% | 2.95% | 25.42% | 0.41% |
| Sep 30, 2025 | 10.33% | 3.32% | 26.49% | 0.39% |
| Jun 30, 2025 | 10.10% | 3.53% | 29.21% | -0.37% |
| Mar 31, 2025 | 9.84% | 3.68% | 30.47% | -0.53% |
| Dec 31, 2024 | 10.59% | 2.82% | 22.69% | 0.83% |
| Sep 30, 2024 | 9.97% | 2.76% | 22.35% | -1.09% |
| Jun 30, 2024 | 11.11% | 2.00% | 15.83% | -0.09% |
| Mar 31, 2024 | 10.60% | 2.46% | 19.49% | -1.45% |
| Dec 31, 2023 | 11.14% | 0.74% | 5.61% | 0.10% |
| Sep 30, 2023 | 11.72% | 0.63% | 4.73% | -0.29% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is New Valley Bank & Trust FDIC insured?
Yes. New Valley Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59143). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is New Valley Bank & Trust well capitalized?
Yes. New Valley Bank & Trust reports a CET1 Ratio of 10.79%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is New Valley Bank & Trust's nonperforming loan ratio?
As of the most recent call report, New Valley Bank & Trust's nonperforming loan ratio is 2.34%. Nonperforming loans at 2.34% are elevated; merits closer attention.
What is New Valley Bank & Trust's Texas Ratio?
New Valley Bank & Trust's Texas Ratio is 18.23%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)
Explore: Full New Valley Bank & Trust profile · Other banks in MA · Metric glossary · How the call report works