Valley National Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.07 percentage points lower than in Q1 2026, at 90.92%. Valley National Bank ranks 14th of 49 New Jersey banks on return on assets, in the upper half at 1.09% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Valley National Bank sits 0.20 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.28% |
| Tier 1 risk-based capital ratio | 12.28% |
| Total risk-based capital ratio | 13.34% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 12.66% |
| Tangible equity to tangible assets | 10.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 9.50% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 90.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 8.64% |
| Net interest margin | 3.27% |
| Efficiency ratio | 53.02% |
| Yield on earning assets | 5.44% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.57% |
| Core deposits to total deposits | 84.85% |
| Brokered deposits to total deposits | 9.72% |
| Deposits to assets | 82.05% |
| Securities to assets | 12.20% |
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 | 10.84% | 10.84% | 11.59% | 9.07% | 0.98% |
| Q4 2023 | 10.89% | 10.89% | 11.64% | 9.14% | 0.53% |
| Q1 2024 | 10.93% | 10.93% | 11.74% | 9.16% | 0.67% |
| Q2 2024 | 11.15% | 11.15% | 12.06% | 9.15% | 0.54% |
| Q3 2024 | 11.32% | 11.32% | 12.32% | 9.24% | 0.65% |
| Q4 2024 | 12.51% | 12.51% | 13.53% | 9.91% | 0.50% |
| Q1 2025 | 12.63% | 12.63% | 13.74% | 10.31% | 0.75% |
| Q2 2025 | 12.51% | 12.51% | 13.58% | 10.26% | 0.91% |
| Q3 2025 | 12.48% | 12.48% | 13.57% | 10.14% | 1.05% |
| Q4 2025 | 12.46% | 12.46% | 13.54% | 10.27% | 1.25% |
| Q1 2026 | 12.42% | 12.42% | 13.49% | 10.23% | 1.06% |
| Q2 2026 | 12.28% | 12.28% | 13.34% | 10.25% | 1.09% |
Valley National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley National Bank, 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 Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9396) · FFIEC NIC profile (RSSD 229801)