Commercial real estate concentration
A large share of lending is tied to CRE, making the portfolio sensitive to property-market stress.
- Scope
- Loan portfolio and collateral values
- Materiality
- high
Valley National Bancorp
Valley National Bancorp is a U.S.-based bank holding company headquartered in Morristown, New Jersey, operating through Valley National Bank and its subsidiaries. It provides commercial, consumer, private banking, insurance, wealth management, and specialty lending services through branch, digital, and relationship-based channels across the Northeast, Florida, and select other U.S. markets.
| % | |
|---|---|
| Commercial Banking | 45% Commercial deposits, C&I lending, CRE financing, asset-based lending, and equipment finance. |
| Consumer Banking | 30% Retail deposits and consumer lending, including mortgages, home equity, auto, and personal loans. |
| Wealth Management and Insurance | 15% Brokerage, trust, advisory, personal and title insurance, and related fee services. |
| Specialty and Niche Lending | 10% Targeted banking and lending for homeowners associations, cannabis, and venture clients. |
Valley serves small and middle-market businesses, commercial real estate borrowers, and specialized industry clients...
- Commercial and middle-market businessesprimary
Buy deposits, working capital, C&I loans, treasury management, and payments services for day-to-day operations.
- Commercial real estate borrowersprimary
Use CRE financing and related lending products for acquisition, development, and refinancing needs.
- Retail consumersprimary
Buy checking, savings, mortgages, home equity, auto loans, and other personal banking products.
- Wealth and private banking clientssecondary
Use brokerage, trust, advisory, and private banking services for asset management and planning.
- Specialty banking clientssecondary
Includes homeowners associations, cannabis-related businesses, and venture banking customers.
Valley is centered in New Jersey and the New York metropolitan area, with additional branch and lending presence in...
- •Headquartered in Morristown, New Jersey
- •Core branch markets are New Jersey and New York City metro
- •Meaningful branch presence in Florida
- •Additional branches and lending in Alabama, California, and Illinois
- •Commercial loans also extend to select states outside the core footprint
Valley’s strategy centers on strengthening its relationship-based banking model, deepening commercial and consumer...
01
Broaden fee-based revenuemedium-term
Fee income reduces dependence on spread income and supports a more diversified model.
02
Improve funding mixmedium-term
A stronger deposit base and lower wholesale funding reliance support stability and flexibility.
03
Reduce CRE concentrationshort-term
Lower concentration reduces sensitivity to property-market stress and credit cycles.
04
Strengthen digital and service capabilitiesmedium-term
Multi-channel access and better analytics improve client experience and retention.
Valley is exposed to credit risk, especially in commercial real estate and regional lending markets, where borrower...
Regional economic concentration
Core lending and branch activity are concentrated in a few metro markets.
- Scope
- New Jersey, New York City area, Florida
- Materiality
- high
Cybersecurity and third-party incidents
Digital banking and vendor reliance increase the chance of data breaches or service disruption.
- Scope
- Customer data, online banking, vendor systems
- Materiality
- high
Credit losses and allowance volatility
Loan performance changes can require higher provisions and reduce reported earnings.
- Scope
- Allowance for credit losses
- Materiality
- high
Funding and interest-rate risk
Deposit mix and wholesale funding dependence affect margin and liquidity sensitivity.
- Scope
- Deposits, borrowings, securities portfolio
- Materiality
- medium
Allowance for credit losses
Provision expense and reserve balance
Goodwill and other intangible assets
Balance sheet carrying values and expense recognition
Income taxes
Effective tax rate and deferred tax balances
Fair value and securities accounting
OCI, capital, and reported income
OHIO VALLEY BANC CORP
OVBC · State Commercial Banks
Ohio Valley Banc Corp is an Ohio-based financial holding company centered on community banking through its subsidiary, The Ohio Valley Bank Company.
Oak Valley Bancorp
OVLY · State Commercial Banks
Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, a California community bank focused on general commercial banking.
COMMUNITY BANCORP /VT
CMTV · National Commercial Banks
Community Bancorp /VT is a Vermont-based bank holding company whose main operating subsidiary is Community National Bank.
JUNIATA VALLEY FINANCIAL CORP
JUVF · State Commercial Banks
FIVE STAR BANCORP
FSBC · State Commercial Banks
Five Star Bancorp is a California bank holding company that operates through Five Star Bank, a state-chartered community/commercial bank focused on Northern California.
PARK NATIONAL CORP /OH/
PRK · National Commercial Banks
Park National Corp.
: 29.4.2026