Total Assets
$339M
Total balance-sheet footings
FDIC Cert #59143 · Springfield, Massachusetts · Est. 2019
New Valley Bank & Trust - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $339M
- Total assets
- D
- Health grade · Weak
- -0.02%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
New Valley Bank & Trust earns a PlainBankData health grade of D (38/100), with well-capitalized at 10.42% Tier 1, -0.02% ROA, 85% efficiency ratio.
- #2,317
- largest of 4,313 FDIC banks by assets
- 46th
- percentile by asset size, nationally
- 10.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How New Valley Bank & Trust's 38/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
New Valley Bank & Trust's composite health score
Tier 1 Capital Ratio (10.42%) 28/40
Return on Assets (ROA) (-0.02%) 0/25
Texas Ratio (25.42%) 10/20
Efficiency Ratio (84.87%) 0/15
38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$275M
Customer-funded liabilities
Net Loans
$257M
Outstanding loan book
Net Income
$-53K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where New Valley Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. New Valley Bank & Trust's score of 38/100 falls in the highlighted band.
New Valley Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). New Valley Bank & Trust's $339M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.42%
Texas Ratio
25.42%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.02%
Return on Equity (ROE)
-0.20%
Efficiency Ratio
84.87%
What the numbers say about New Valley Bank & Trust
New Valley Bank & Trust is an FDIC-insured institution (Certificate #59143) headquartered in Springfield, Massachusetts, established in 2019. It holds $339M in total assets - 2,317th of 4,313 FDIC-insured banks, $275M in customer deposits, and $257M in net loans. Its capital position: a Tier 1 ratio of 10.42%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 25.42% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (38 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
New Valley Bank & Trust sits 78th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$18M
Interest Income
$674K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. New Valley Bank & Trust reports a Texas Ratio of 25.42% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
25.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at New Valley Bank & Trust
New Valley Bank & Trust's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-53K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at New Valley Bank & Trust up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) New Valley Bank & Trust (FDIC Cert #59143) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is New Valley Bank & Trust's health grade?▼
New Valley Bank & Trust receives a health grade of D (38/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is New Valley Bank & Trust?▼
New Valley Bank & Trust holds $339M in total assets and $275M in deposits, ranking 2,317th of 4,313 FDIC-insured banks by asset size. It is headquartered in Springfield, Massachusetts.
Is my money safe at New Valley Bank & Trust?▼
Yes, deposits at New Valley Bank & Trust (Certificate #59143) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is New Valley Bank & Trust's Tier 1 Capital Ratio?▼
New Valley Bank & Trust has a Tier 1 Capital Ratio of 10.42%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for New Valley Bank & Trust?▼
New Valley Bank & Trust has a Texas Ratio of 25.42%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is New Valley Bank & Trust?▼
New Valley Bank & Trust has an Efficiency Ratio of 84.87%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read New Valley Bank & Trust's profile as a depositor or analyst.
- New Valley Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare New Valley Bank & Trust against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.