FDIC Cert #9396 · Passaic, New Jersey · Est. 1927

Valley National Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$64.1B
Total assets
B
Health grade · Good
0.99%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

Valley National Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.46% Tier 1, 0.99% ROA, efficient (54% cost ratio).

#43
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.46%
Tier 1 ratio - above the 10% well-capitalized line
42nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 9396 · NJ B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2289/4307
  • PHOTO-FINISH Bank of Commerce · MS
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 5.0% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Bank of Commerce, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Valley National Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Commerce · MS · near77/100Farmers & Merchants… · IA · …77/100Farmers State Bank o… · MN ·…77/100Reliance State Bank · IA · n…77/100Valley National Bank · NJ · …77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Valley National Bank · July 2026

What Valley National Bank's Call Report plate shows

Valley National Bank (FDIC Cert #9396) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,289 of 4,307. Tier 1 capital prints at 12.46%, clearing the 10% well-capitalized line. The Texas Ratio is 5.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $64.1B, 43rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Commerce (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Valley National Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Valley National Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Valley National Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Valley National Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Valley National Bank's composite health score
Tier 1 Capital Ratio (12.46%) 35/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (5.00%) 16/20
Efficiency Ratio (53.71%) 12/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$64.1B

Total balance-sheet footings

Total Deposits

$52.3B

Customer-funded liabilities

Net Loans

$49.6B

Outstanding loan book

Net Income

$620M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.06% 12.46% 13.86%
Basel III capital ratios - Valley National Bank

Where Valley National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley National Bank's score of 77/100 falls in the highlighted band.

Valley National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Valley National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Valley National Bank'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). Valley National Bank's $64.1B falls in the highlighted band.

Safety ratios for Valley National Bank

Tier 1 capital ratio
Well-capitalized 10%

12.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.46%
Texas Ratio
5.00%
Equity Capital
$8.2B

What these ratios mean →

Profitability metrics: Valley National Bank

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
7.71%
Efficiency Ratio
53.71%

What these mean →

Income & expense at Valley National Bank

$3.2B
Interest Income
$242M
Non-Interest Income
$1.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley National Bank reports a Texas Ratio of 5.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Valley National Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Valley National Bank by assets

Valley National Bank is closely matched in total assets by CIBC Bank USA, Bank of China, Columbia Bank, SouthState Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.05%, versus Valley National Bank's own 0.99%; the average efficiency ratio is 42.17%, versus 53.71% here; and average Tier 1 capital sits at 11.47%, versus 12.46% at Valley National Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $64.1B in assets, Valley National Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Valley National Bank nationally by total assets
  1. 1
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  2. 2
    Bank of China $61.9B

    New York, NY · Grade F

  3. 3
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  4. 4
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  5. 5
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  6. 6
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Valley National Bank (this bank) NJ $64.1B 0.99% 53.71% 12.46%
CIBC Bank USA IL $64.0B 1.47% 37.10% 17.22%
Bank of China NY $61.9B 0.00% 0.00% 0.00%
Columbia Bank OR $66.8B 1.00% 55.35% 12.32%
SouthState Bank, National Association FL $67.2B 1.40% 47.64% 12.54%
Banco Popular de Puerto Rico PR $59.8B 1.17% 59.89% 15.59%
Pinnacle Bank TN $57.6B 1.25% 53.06% 11.13%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($64.1B here), outside New Jersey so the neighborhood is not state containment.

CIBC Bank USA $64.0B · IL Bank of China $61.9B · NY Columbia Bank $66.8B · OR SouthState Bank $67.2B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley National Bank (FDIC Cert #9396) - 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.

Valley National Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%
Spencer Savings Bank, SLAElmwood Park $4.0B B 0.44%