Valley National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.25 percentage points in Q2 2026, from 332.27% to 326.03%. It was the largest change from Q1 2026 among the key lines here. Valley National Bank ranks 21st of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 96.57% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Valley National Bank sits 9.74 points higher, at 96.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.48B |
| Net loans and leases | $51.89B |
| Loans held for sale | $13.7M |
| Loans to total assets | 79.24% |
| Loan-to-deposit ratio | 96.57% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.89% |
| Multifamily (5+ residential) | 17.22% |
| Commercial and industrial | 16.08% |
| Consumer | 6.02% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.03% |
| Construction concentration (Tier 1 capital + allowance) | 34.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.67% |
| Interest income on loans | $724.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $50.13B | $50.07B | 38.24% | 15.09% | 5.27% |
| Q4 2023 | $50.24B | $49.44B | 38.57% | 15.01% | 5.32% |
| Q1 2024 | $49.98B | $49.29B | 38.66% | 14.93% | 5.43% |
| Q2 2024 | $50.33B | $50.33B | 38.23% | 15.54% | 5.27% |
| Q3 2024 | $50.20B | $50.68B | 37.69% | 16.17% | 5.31% |
| Q4 2024 | $48.83B | $50.36B | 37.33% | 16.89% | 5.64% |
| Q1 2025 | $48.68B | $50.17B | 36.28% | 17.41% | 6.00% |
| Q2 2025 | $49.42B | $50.79B | 35.48% | 17.16% | 6.29% |
| Q3 2025 | $49.29B | $51.32B | 36.04% | 17.04% | 6.37% |
| Q4 2025 | $50.16B | $52.31B | 36.27% | 15.73% | 6.34% |
| Q1 2026 | $50.84B | $52.96B | 36.64% | 16.05% | 6.20% |
| Q2 2026 | $52.48B | $54.34B | 35.89% | 16.08% | 6.02% |
Valley National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley National Bank, freeSource: Call Report Schedule RC-C, 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 Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9396) · FFIEC NIC profile (RSSD 229801)