New Valley Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 22.99 percentage points in Q2 2026, from 64.37% to 87.36%. It was the largest change from Q1 2026 among the key lines here. On return on assets, New Valley Bank & Trust is 3rd from the bottom among 89 Massachusetts banks, -0.24% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, New Valley Bank & Trust reported -0.24% on return on assets in Q2 2026, 1.49 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 7.45% |
| Equity capital to assets | 7.11% |
| Tangible equity to tangible assets | 7.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.34% |
| Non-performing assets ratio | 1.54% |
| Net charge-off ratio | -0.46% |
| Texas ratio | 18.23% |
| Allowance for credit losses to loans | 2.05% |
| Reserve coverage of non-performing loans | 87.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.24% |
| Return on equity | -3.43% |
| Net interest margin | 2.55% |
| Efficiency ratio | 97.72% |
| Yield on earning assets | 4.73% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.81% |
| Core deposits to total deposits | 84.70% |
| Brokered deposits to total deposits | 4.15% |
| Deposits to assets | 83.48% |
| Securities to assets | 11.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.72% | 11.72% | 12.83% | 9.53% | -0.29% |
| Q4 2023 | 11.14% | 11.14% | 12.17% | 9.31% | 0.10% |
| Q1 2024 | 10.60% | 10.60% | 11.85% | 8.73% | -1.45% |
| Q2 2024 | 11.11% | 11.11% | 12.37% | 8.74% | -0.09% |
| Q3 2024 | 9.97% | 9.97% | 11.23% | 8.21% | -1.09% |
| Q4 2024 | 10.59% | 10.59% | 11.85% | 8.63% | 0.83% |
| Q1 2025 | 9.84% | 9.84% | 11.10% | 8.57% | -0.53% |
| Q2 2025 | 10.10% | 10.10% | 11.36% | 8.30% | -0.37% |
| Q3 2025 | 10.33% | 10.33% | 11.59% | 8.23% | 0.39% |
| Q4 2025 | 10.42% | 10.42% | 11.68% | 8.29% | 0.41% |
| Q1 2026 | 10.71% | 10.71% | 11.97% | 8.09% | 0.43% |
| Q2 2026 | 10.79% | 10.79% | 12.04% | 7.45% | -0.24% |
New Valley Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Valley Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full New Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)