BlastPoint's Banking Scorecard
Valley National Bank
Large
Specialty: Commercial
NJ
FDIC cert 9396
Passaic, NJ
69
banks in Large tier nationally
1 in NJ
View Large leaderboard (NJ) →
Valley National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Large
- - Liquidity Strain: Bottom 20% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.1B
+2.6% YoY
+1.8% QoQ
|
-$10.8B |
$74.9B
-4.4% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$49.6B
+2.7% YoY
+1.8% QoQ
|
+$3.2B |
$46.4B
-2.1% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$52.3B
+3.9% YoY
+1.9% QoQ
|
-$8.2B |
$60.5B
-4.5% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.99%
+66.2% YoY
+9.5% QoQ
|
-0.21% |
1.19%
+17.8% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.16%
+5.4% YoY
+1.1% QoQ
|
-0.31% |
3.46%
+13.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
53.71%
-4.9% YoY
-0.2% QoQ
|
-1.32% |
55.03%
-2.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.88%
+16.8% YoY
+1.0% QoQ
|
+0.01% |
0.88%
-0.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
94.78%
-1.1% YoY
-0.1% QoQ
|
+13.06% |
81.72%
+3.9% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.48%
+1.0% YoY
+2.1% QoQ
|
+3.51% |
19.97%
+0.5% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.69%
+14.4% YoY
+1.0% QoQ
|
+0.14% |
0.55%
+9.0% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.46%
-0.4% YoY
-0.2% QoQ
|
-0.87% |
13.33%
-0.7% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.38%
+13.7% YoY
+37.9% QoQ
|
-0.71% |
1.09%
+2.4% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#4 of 26 · Bottom 12% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#4 of 16 · Bottom 20% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.78%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
71
71th pctile
Total Loans
Current: $49.6B · Tier avg: $46.4B
66
66th pctile
Efficiency Ratio
Current: 53.71% · Tier avg: 55.03%
62
62th pctile
Total Assets
Current: $64.1B · Tier avg: $74.9B
61
61th pctile
Total Deposits
Current: $52.3B · Tier avg: $60.5B
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 23.48% · Tier avg: 19.97%
43
43th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.88%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 13.33%
33
33th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.46%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.55%
29
29th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.19%
22
22th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 1.09%
13
13th pctile
Loan-to-Deposit Ratio
Current: 94.78% · Tier avg: 81.72%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 94.78% · Tier avg: 81.72%
22
22th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 1.09%
29
29th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.19%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.55%
33
33th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.46%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.46% · Tier avg: 13.33%
43
43th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.88%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 23.48% · Tier avg: 19.97%
61
61th pctile
Total Deposits
Current: $52.3B · Tier avg: $60.5B
62
62th pctile
Total Assets
Current: $64.1B · Tier avg: $74.9B
66
66th pctile
Efficiency Ratio
Current: 53.71% · Tier avg: 55.03%
71
71th pctile
Total Loans
Current: $49.6B · Tier avg: $46.4B