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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Valley National Bank

Passaic, New Jersey · $66.23B in assets · beside the 11 other the Mid-Atlantic banks over $10B (the state alone holds too few in the band to rank)

The filing

96.6%
Loans / deposits
11th of 12
43.2%
CRE / loans
11th of 12
319.5%
CRE / capital
8th of 9

Valley National Bank is the fourth largest of the 12 the Mid-Atlantic banks nearest its size over $10B, with $66.23B in assets at 30 June 2026. Loans are 96.6% of deposits, 11th of 12 against a median of 77.6%, and equity is 12.7% of assets, 5th of 9. Loans grew +6.2% in the year, 5th of 12, and deposits grew 7.0%; the cohort's median loan growth is +2.3%.

Noncurrent loans are 0.91% of the book, 6th of 12 against a median of 0.92%; 0.31% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.15% of loans, 3rd of 9. Commercial real estate is 43.2% of loans, 11th of 12 against a median of 17.5%, and 320% of capital, above the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 1.06%, 4th of 9 against a median of 0.99%, on an efficiency ratio of 55.2%, 3rd of 9. Five years ago it was 1.18%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 14.7% of loans).

Commercial real estate, share of loansMid-Atlantic banks over $10B · 30 June 2026 · lower is stronger, listed first
median 17.5% BB Barclays Bank Delaware 0.0% TB TD Bank USA National Association 0.8% SC Standard Chartered Bank PLC 2.0% BM BNY Mellon National Association 4.2% BB Banco Bilbao Vizcaya Sa 6.6% Bo Bank of China 10.8% FN First National Bank of Pennsylvania 24.2% DB Deutsche Bank Trust Co. Americas 25.5% FB Fulton Bank National Association 26.8% SB Santander Bank N A 27.4% VN Valley National Bank 43.2% FB Flagstar Bank National Association 53.5%
Loans, year over yearMid-Atlantic banks over $10B · 30 June 2026 · no better direction, largest first
median +2.3% BB Banco Bilbao Vizcaya Sa +64.1% SC Standard Chartered Bank PLC +24.4% SB Santander Bank N A +18.7% Bo Bank of China +9.9% VN Valley National Bank +6.2% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% BM BNY Mellon National Association -1.2% TB TD Bank USA National Association -1.9% DB Deutsche Bank Trust Co. Americas -3.7% FB Flagstar Bank National Association -5.0% BB Barclays Bank Delaware -10.0%

SBA 7(a), FY2008 to FY2026

Valley National Bank is the 20th largest 7(a) lender into Florida of 528, with $409M across 440 loans, 1.4% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 30 of its 85 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hillsborough, FL$122M1st of 1955.5%-0.4 pts
Pinellas, FL$78M3rd of 1714.7%-1.9 pts
Jefferson, AL$32M4th of 1284.5%thin
Broward, FL$21M39th of 2090.7%+1.1 pts
Miami-Dade, FL$20M38th of 2150.5%+0.8 pts
Pasco, FL$20M6th of 1343.5%+6.1 pts
Sarasota, FL$19M13th of 1382.3%thin
Palm Beach, FL$17M38th of 1950.7%+0.3 pts
Orange, FL$15M36th of 2010.7%+1.3 pts
Manatee, FL$15M13th of 1322.1%+1.1 pts
Lee, FL$14M21st of 1691.2%+3.5 pts
Shelby, AL$12M7th of 804.3%quiet FY2021
Brevard, FL$11M16th of 1291.6%+4.8 pts
72 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services159$114M19.2%0.15%128th of 2,596
Retail trade103$79M13.3%0.13%130th of 2,589
Arts, entertainment & recreation47$53M8.9%0.37%52nd of 1,656
Health care & social assistance69$53M8.8%0.11%128th of 2,172
Manufacturing51$52M8.8%0.13%136th of 2,246
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Valley National Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans VN Valley National Bank 1.4% $409M · 440 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Valley National BankRankCohort median
Total CRE against capital, the 300% screen320%8th of 9117%
Construction against capital, the 100% screen35%8th of 914%
Construction and land development, share of loans4.7%9th of 122.9%
Non-owner-occupied nonfarm nonresidential, share of loans21.2%9th of 97.3%
Total CRE, the guidance definition, share of loans43.2%11th of 1217.5%
CRE growth over 36 months, the third prong-16.7%3rd of 12+6.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Santander Bank N A$103.96B1.0%50.3%1.84%0.53%3.2%70.1%13.3%
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Valley National Bank$66.23B1.1%55.2%0.91%0.15%1.1%96.6%12.7%
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Barclays Bank Delaware$43.45B2.4%55.6%1.67%4.73%8.9%83.7%13.9%
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
TD Bank USA National Association$32.13B0.4%70.3%2.08%5.50%9.9%32.1%11.9%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Valley National BankCohort median
20212026Change20212026Change
Loans$32.62B$52.48B+61%$18.19B$29.72B+63%
Deposits$33.33B$54.34B+63%$27.18B$31.73B+17%
NPA / loans0.69%0.91%+0.22 pts0.66%0.92%+0.26 pts
Efficiency49.3%55.2%+6.0 pts62.9%58.9%-4.0 pts
ROA1.18%1.06%-0.11 pts1.17%0.99%-0.17 pts

This read was prepared for Valley National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Valley National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks over $10B
Institution www.valley.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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