BlastPoint's Banking Scorecard

Valley National Bank

$10B-$250B Specialty: Commercial NJ FDIC cert 9396

Passaic, NJ

232 branches across NJ · FL · NY · AL · CA · IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in NJ.
Deposits +7.0% year over year ($54.3B on the books).
Delinquency rate 0.92%.
Return on assets 1.08%.
Efficiency ratio 54.06% vs a 53.67% peer average.
Loan-to-deposit ratio 95.49% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in NJ

View $10B-$250B leaderboard (NJ) →

Valley National Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.2% in tier
- Liquidity Strain: Bottom 37.5% in tier
- ROA 0.31% below tier average
- Net Interest Margin 0.62% below tier average
- Efficiency Ratio 0.39% above tier average

Get updates when Valley National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$66.2B +5.7% YoY +2.9% QoQ	+$22.6B	$43.6B -13.8% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$51.9B +6.2% YoY +3.3% QoQ	+$23.9B	$28.0B -8.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	Top 13.7% in tier
Total Deposits ?	$54.3B +7.0% YoY +2.6% QoQ	+$18.9B	$35.4B -14.0% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.08% +30.9% YoY +1.8% QoQ	-0.31%	1.39% +25.9% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.30% +6.6% YoY +0.9% QoQ	-0.62%	3.92% +8.9% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	54.06% -0.5% YoY -1.7% QoQ	+0.39%	53.67% -1.9% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.92% +26.1% YoY +4.6% QoQ	-0.09%	1.01% -2.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	95.49% -0.7% YoY +0.6% QoQ	+12.88%	82.61% +3.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	23.50% +1.1% YoY +0.8% QoQ	+2.92%	20.58% +4.9% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.73% +26.1% YoY +4.7% QoQ	+0.00%	0.73% +5.8% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	12.28% -1.8% YoY -1.1% QoQ	-3.07%	15.35% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.21% +16.8% YoY +96.5% QoQ	-0.29%	0.50% +10.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	23.5% +0.2pp YoY +0.2pp QoQ	+2.5pp	21.0%	16.6%	22.2%	54%
Brokered Deposits	9.7% -3.0pp YoY +0.1pp QoQ	+0.5pp	9.2%	10.1%	8.5%	74%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	16.3% -1.1pp YoY 0.0pp QoQ	-0.9pp	17.2%	6.5%	12.5%	53%
CRE	58.5% -0.6pp YoY -0.6pp QoQ	+16.5pp	42.0%	56.3%	41.4%	82%
1-4 Family	12.9% -0.1pp YoY -0.1pp QoQ	-10.2pp	23.1%	39.4%	31.3%	23%
Consumer	6.1% -0.3pp YoY -0.2pp QoQ	-6.8pp	12.9%	4.3%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	12.3% -0.2pp YoY -0.1pp QoQ	-3.0pp	15.3%	18.8%	19.7%	33%
Leverage Ratio	10.3% 0.0pp YoY 0.0pp QoQ	-0.2pp	10.4%	13.4%	12.6%	54%
Total Capital Ratio	13.3% -0.2pp YoY -0.1pp QoQ	-3.2pp	16.5%	19.8%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	3,432 -285 (-7.7%) YoY -175 (-4.9%) QoQ	+174	3,258	336	482	75%
Assets per Employee ($)	$19.3M +14.5% YoY +8.1% QoQ	-$7.7M	$27.0M	$11.2M	$8.8M	77%
Branch Count	232 -2 (-0.9%) YoY -1 (-0.4%) QoQ	+94	137	20	18	84%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.4%	41%
Nonaccrual	0.9% +0.2pp YoY 0.0pp QoQ	+0.2pp	0.7%	0.8%	1.0%	76%
Allowance Coverage	1.23x -24.0% YoY -6.5% QoQ	-1.58x	2.81x	6.57x	20.23x	28%
Net Charge-off Rate (YTD)	0.2% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	8.4% +2.0pp YoY +0.2pp QoQ	-4.2pp	12.6%	6.4%	11.6%	20%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.2pp	2.0%	1.9%	1.7%	66%
Net Income ($, YTD)	$349.4M +36.4% YoY — QoQ	+$52.6M	$296.8M	$19.8M	$40.4M	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#20 of 59 • Bottom 32.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#16 of 40 • Bottom 37.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.49%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Total Loans

size

Value: $51.89B

Peer Median: $27.97B

#20 of 139 Top 13.7% in $10B-$250B

Total Assets

size

Value: $66.23B

Peer Median: $43.60B

#26 of 139 Top 18.0% in $10B-$250B

Total Deposits

size

Value: $54.34B

Peer Median: $35.42B

#26 of 139 Top 18.0% in $10B-$250B

Top Weaknesses (2 metrics)

119

Loan-to-Deposit Ratio

liquidity

Value: 95.49%

Peer Median: 82.61%

#119 of 139 Bottom 15.1% in $10B-$250B

107

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.50%

#107 of 139 Bottom 23.7% in $10B-$250B