# VALLEY NATIONAL BANK
PASSAIC, NJ · FDIC certificate 9396 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $66.23B | |
| Deposits | $54.34B | |
| Loans and leases | $52.48B | |
| Total equity | $8.39B | |
| Loans / deposits | 95.49% (p83 of band) | 85.78% |
| Liquid assets / assets | 13.63% (p8 of band) | |
| Uninsured deposits / deposits | 39.75% (p55 of band) | 38.39% |
| Brokered deposits | 7.98% | |
| Wholesale funding | 11.60% (p70 of band) | |
| FHLB advances / assets | 3.53% | |
| Tier 1 leverage | 10.25% (p53 of band) | 10.17% |
| Unrealized securities loss / equity | -6.52% (p56 of band) | -7.43% |
| AOCI / equity | -0.30% (p54 of band) | |
| ROA (annualized) | 1.08% (p35 of band) | 1.24% |
| Net interest margin | 3.30% (p35 of band) | 3.57% |
| Efficiency ratio | 54.06% (p48 of band) | |
| Noncurrent loans | 0.91% (p71 of band) | 0.66% |
| Net charge-offs (annualized) | 0.12% (p63 of band) | |
| Reserve coverage of noncurrent | 123.27% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 29.62% (p51 of band) | |
| Auto loans | $1.92B (3.66% of loans; DQ 0.69%, NCO 0.01%) | |
| Loans to nondepository financials | $1.77B (21% of equity) (p69 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 3432 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 4 | loans exceed deposits |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | uninsured deposits leaving, loans exceed deposits |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | loans exceed deposits, capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 3 |  | loans exceed deposits |
| 2015-03 | 3 |  |  |
| 2015-06 | 1 |  | reserve under noncurrent, capital falling |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 3 | expense ratio p90, reserve under noncurrent | loans exceed deposits |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 2 | loans exceed deposits | reserve under noncurrent |
| 2016-09 | 1 |  | loans exceed deposits |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | loans exceed deposits |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 4 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2018-06 | 4 | reserve under noncurrent | expense ratio p90 |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | brokered >10% |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 2 |  | reserve under noncurrent, brokered >10% |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2021-12 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 | brokered >10% | uninsured deposits >50%, run vulnerability |
| 2023-03 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2023-06 | 4 | uninsured deposits leaving | loans exceed deposits |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | loans exceed deposits, liquid assets <10% | capital falling |
| 2024-03 | 4 | assets shrinking | uninsured deposits leaving, liquid assets <10% |
| 2024-06 | 2 |  | loans exceed deposits, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | brokered >10% |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Valley Bank Launches Valley Foundry, Names Michael Rappaport to Lead - Business Wire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNNlZxRmY0N3dpZFBFWldic2RIaXdRSHlrelo4cm9xREkyRmxXOWRtMmxNcGl3dy1fS3RORU5BNzlTTlVieFN6Y2tEb01uR1d1anFIaEcyZHpheHA3VmVucXZUVkc2OWthMDJIVm1pTHJOUnFuZzlTN2NDb09tV2JIMDdYeThicUdURUlhY1RvMHV0eWtmNzR6UGZ4eFRNU2lYZHNjN09RN3gyQkxmaDNJTXV2MEJEV0RiaGJkVnFLVzlyUQ?oc=5) · Business Wire
- 2026-08-25 [Valley National Bank to acquire Chicago-area lender for $247M - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxOOV9aOVNVbnN4c3hXOExXUlpTTEhxbGlxd0N6UjJFWTl4QWlpWnVCY3FCUWpqS0RBUkRPdk1rY1NWY3kySlgwTzVKVmdPZ2RrVE02eVBncVZXMUUyeUJTcDYtdW5IVkJjd1Q3M0dOalN4bG1IZmRhN2pGR0NNS25BSEkwQ1I0WGRWc1kzaEc3Y0RaS2cyQlF5TWt1cXVXUzN5?oc=5) · Banking Dive
- 2026-08-25 [Valley ready to grow in Chicago market with $247M bank acquisition - NJBIZ](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9mLXBRc2JScV9pTVhISFBZUE5fT0RHajBVQzBvc09TQ0IwTi11UjZtT25xeUVPYmE1WGsxVEVHSExPR19FUXFCaHpqbmNBeUdxeTQtYWZUZkttaHE5Y0V3?oc=5) · NJBIZ
- 2026-09-03 [Valley Bank Signs Three-Year Sponsorship Agreement with Rutgers University’s Department of Intercollegiate Athletics - Yahoo Finance Australia](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSnAzRk5PMHNxMGEzSkFfSFJfNE4tcjlfNDNUbTFlUkE2MTVaSHI1QWFtQ1VNUEVPR24wNC1wM3RqOExLTUF6QWctc1ptNWZjd0pPLVYwcjZYemtFcWZFYVIyd1pmTGJqdU5IYmlkclNXZmRvWmFreWJDcWV6LUR0OTJlMi1makJ6ZGZ3MQ?oc=5) · Yahoo Finance Australia
- 2026-07-31 [Valley National Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFAzRUhqWWhjWl82dDF4NUU2SEpUUjA3cXVyVFRsbGdiQW9XUzdQakV2QmZDZ2w4cUNwcHJvMHhmSXpaYnhYQUp0RDNFSmlXZncwNFlDMmx5cm5XbzROSm50TFl1MHhDOWtGc1IzTklRekZSQ0NFdV9z?oc=5) · reveliolabs.com
- 2026-05-10 [Valley Bank opens South Jersey loan office, plans another in Center City - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdHBVTXlFUDRNOGZUbTNVSmRvT3l3eHRZMlpiZDdkVGV4WWFHWGMycG5QbU9xWmJLRVpyRFZQVDZkemJ6cG54SjV3aDVrcWM3ZE95U21NaDlRazN0VVktNW9PV0VjSFU4a1dBZm5RWGkwZklGbFlIcjNnWDlKRDFEeXBaNk9BWTdrV2RxZUREUENYSHJFdjFxSmc0b09raklkb1U4NVlKTXh3a3dWRjk0?oc=5) · The Business Journals
- 2026-05-29 [Valley Bank names two execs to strengthen consumer banking leadership team - ROI-NJ](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMFBZQkdvdGFRODVUQ1Q5bEZjdWljNzBSdF9oaDdvN1lfUWNjRFk2cFpxaGZueDF3ZDE1d0szckVkN3dtSW9nTFp6bzF1SGxNR29mdXpZdEJSMGlncks0X1pzc3hiS2NhYk5PNVNDUHBQcC13R0hYb21UZ3NxeHFQOU04Qm9ReDBoMDBpUnkxS0h5LW90dExLTkpPNEJHZTZDS1NBcXpWdE9Gb1ZaaGlNN0owR29ralVR?oc=5) · ROI-NJ
- 2026-03-03 [Valley Bank reports record earnings, adds senior leaders - NJBIZ](https://news.google.com/rss/articles/CBMibkFVX3lxTE4tU3VxaVFKRWpFSEpZZzVac1c3NFRyNzdLbTU2RzhaWXRTOW9YZkFxOGV1ZUZZeXVRYzZ6LWpwXy1ZMV9MQzZLU0xLcWZwTnJXV0Z6c1FiUl8xdE1IcTExTVo4ajZhdmxjUWVBWlF3?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "9396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide