Valley National Bancorp Reports Financial Results for 2025
Valley National Bancorp (VLY), a New Jersey-based bank holding company, reported its financial performance for the year ended December 31, 2025. The company's consolidated total assets reached $64.1 billion, with net loans amounting to $49.6 billion, total deposits of $52.2 billion, and total shareholders’ equity of $7.8 billion. Valley National Bank, the company's primary subsidiary, operates 230 branch offices across several states, including New Jersey, New York, Florida, Alabama, California, and Illinois.
Net income for 2025 was $598.0 million, translating to $1.01 per diluted common share, compared to $380.3 million, or $0.69 per diluted common share, in 2024. This increase was primarily driven by a $134.9 million increase in net interest income, a $169.1 million decrease in the provision for credit losses, and a $37.6 million increase in non-interest income. These gains were partially offset by an $87.6 million increase in income tax expense and a $36.3 million increase in non-interest expense. The company's strategic initiatives during the year included reducing its CRE loan concentration ratio and decreasing reliance on wholesale funding sources.
Key operational developments included a decrease in the CRE loan concentration ratio to 333 percent, compared to 362 percent in the previous year, and a reduction in indirect customer deposits by $1.7 billion. The company's liquid assets totaled $6.1 billion, representing 10.3 percent of interest-earning assets. Total deposits increased by $2.1 billion, and the investment securities portfolio grew by $808.0 million. The company repurchased 6.1 million shares of its common stock at an average price of $10.41 per share. As of December 31, 2025, the company employed 3,675 individuals.
Looking ahead, Valley National Bancorp anticipates net interest income growth of 11 to 13 percent for the full year of 2026, with a net interest margin expected to reach 3.30 percent by the end of the year. The company expects to grow its total deposits by 5 to 7 percent during 2026. The company's common equity Tier 1 capital is projected to range between 10.50 and 11.00 percent through December 31, 2026. These forward-looking statements are subject to various risks and uncertainties, including changes in interest rates, economic conditions, and regulatory policies.
About VALLEY NATIONAL BANCORP
Valley National Bancorp is a diversified financial services company offering banking, wealth management, insurance, and commercial finance solutions. Its primary subsidiary, Valley National Bank, provides consumer and commercial banking, real estate financing, asset-based loans, and niche services across key markets in New Jersey, New York, Florida, Alabama, California, and Illinois. The company emphasizes relationship banking, innovative digital solutions, and community presence.
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