New Valley Bank & Trust
Springfield, MA · Cert 59143 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
$385.0MAssets
$253.3MLoans
$321.4MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 29% of banks under $1B in assets operating in a single state (rank 533 of 746).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 709 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.08%
Rank 712 of 746
Net Interest Margin
2.50%
Rank 694 of 746
Efficiency Ratio
94.11%
Rank 709 of 746
Equity / Assets
7.11%
Rank 690 of 746
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.72% | 1.06% | 1.45% | Beats 5% | 712 / 746 | | |
| Return on Equity | 1.13% | 6.74% | 10.51% | 13.63% | Beats 6% | 703 / 746 | | |
| Net Interest Margin | 2.50% | 3.17% | 3.68% | 4.16% | Beats 7% | 694 / 746 | | |
| Efficiency Ratio | 94.11% | 55.74% | 64.58% | 75.47% | Beats 5% | 709 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.34% | 0.09% | 0.42% | 1.07% | Beats 9% | 675 / 743 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 622 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 11.55% | 13.75% | 17.60% | Beats 17% | 621 / 746 | | |
| Total Risk-Based Capital Ratio | 12.04% | 11.71% | 14.33% | 18.43% | Beats 29% | 533 / 746 | | |
| Equity / Assets | 7.11% | 8.90% | 10.51% | 13.06% | Beats 8% | 690 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.81% | 61.31% | 78.27% | 90.78% | 51st pctl | 364 / 746 | | |
| Loans / Assets | 65.79% | 53.60% | 66.97% | 76.08% | 47th pctl | 398 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |