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.

— Valley National Bancorp
%
Commercial Banking45% Commercial deposits, C&I lending, CRE financing, asset-based lending, and equipment finance.
Consumer Banking30% Retail deposits and consumer lending, including mortgages, home equity, auto, and personal loans.
Wealth Management and Insurance15% Brokerage, trust, advisory, personal and title insurance, and related fee services.
Specialty and Niche Lending10% 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...

high

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
high

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
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
high

Credit losses and allowance volatility

Loan performance changes can require higher provisions and reduce reported earnings.

Scope
Allowance for credit losses
Materiality
high
medium

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

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: 29.4.2026