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Valley National Bank
Passaic, NJ·FDIC Cert #9396·Charter: OCC·Est. 19270101.0·HC: VALLEY NATIONAL BCORP
Total Assets
$64.1B
Q4 2025
Return on Assets
0.99%
+0.09%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.71%
Peer avg: 51.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%+0.09
ROE
7.71%+0.67
Efficiency
53.71%-0.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.88%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
94.78%-0.13
Charge-offs
0.24%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.6 | 0.6 | 0.6 | 0.7 | 0.8 | 0.9 | 1.0 |
| ROE | 5.7 | 5.1 | 5.2 | 4.9 | 5.8 | 6.4 | 7.0 | 7.7 |
| Efficiency | 58.5 | 57.9 | 56.9 | 56.5 | 54.6 | 54.3 | 53.8 | 53.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.6 | 0.8 | 0.7 | 0.7 | 0.9 | 0.9 |
| Charge-offs | 0.2 | 0.2 | 0.3 | 0.4 | 0.3 | 0.3 | 0.3 | 0.2 |
| Loan/Deposit | 100.5 | 99.0 | 98.0 | 95.8 | 95.9 | 96.2 | 94.9 | 94.8 |
Balance Sheet
Total Assets$64.1B
Total Deposits$52.3B
Total Loans$49.6B
Total Equity$8.2B
Profitability
ROA0.99%
ROE7.71%
Efficiency Ratio53.71%
Net Income$619.8M
Risk & Asset Quality
NPL Ratio0.88%
Charge-off Rate0.24%
Loan/Deposit94.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans