Passaic, NJ · Cert 9396 · Valley National Bcorp
National charter · OCC · 228 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 1.4% share · #10 of 151 inst. · $40.0B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.59% | 0.74% | 0.82% | 0.90% | 0.99% | 1.06% | 1.08% | +25 bps | |
| Return on Equity | 5.23% | 4.92% | 5.79% | 6.42% | 7.04% | 7.71% | 8.28% | 8.45% | +203 bps | |
| Net Interest Margin | 2.66% | 2.66% | 2.80% | 2.81% | 2.81% | 2.85% | 2.99% | 2.98% | +17 bps | |
| Efficiency Ratio | 56.87% | 56.48% | 54.61% | 54.33% | 53.83% | 53.71% | 55.00% | 54.06% | -27 bps | |
| Non-Interest Burden | 1.42% | 1.42% | 1.43% | 1.42% | 1.39% | 1.40% | 1.50% | 1.46% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 2.47% | 1.36% | 0.97% | 1.40% | 2.59% | 4.16% | 5.71% | +474 bps | |
| Loan Growth (YoY) | 0.13% | -2.82% | -2.60% | -1.81% | -1.81% | 2.74% | 4.42% | 6.18% | +800 bps | |
| Deposit Growth (YoY) | 1.22% | 1.86% | 1.79% | 0.92% | 1.27% | 3.88% | 5.54% | 6.99% | +608 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.75% | 0.73% | 0.72% | 0.87% | 0.87% | 0.87% | 0.91% | +19 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.41% | 0.34% | 0.32% | 0.26% | 0.23% | 0.14% | 0.15% | -17 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.91% | 10.31% | 10.26% | 10.14% | 10.27% | 10.23% | 10.25% | -1 bps | |
| Total Risk-Based Capital | 12.32% | 13.53% | 13.74% | 13.58% | 13.57% | 13.54% | 13.49% | 13.34% | -24 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.05% | 96.96% | 97.03% | 97.31% | 96.05% | 95.90% | 96.00% | 96.57% | -73 bps | |
| Liquid Assets / Assets | 5.76% | 5.66% | 5.74% | 5.64% | 5.63% | 5.46% | 5.62% | 5.67% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |