Valley National Bancorp (VLY): Business Model Canvas

In der dynamischen Landschaft des modernen Bankwesens entwickelt sich Valley National Bancorp (VLY) zu einem strategischen Kraftpaket, das innovative digitale Lösungen mit tief verwurzelten Community-Verbindungen verbindet. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das technologische Leistungsfähigkeit und personalisierten Service in Einklang bringt, hat sich VLY als vielseitiges Finanzinstitut positioniert, das unterschiedliche Kundensegmente in New Jersey und Florida bedient. Dieses umfassende Business Model Canvas enthüllt die komplexen Mechanismen, die den Erfolg der Bank vorantreiben, und zeigt, wie strategische Partnerschaften, robuste Ressourcen und kundenorientierte Ansätze zusammenlaufen, um ein überzeugendes Bankenökosystem zu schaffen.

Valley National Bancorp (VLY) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit lokalen Unternehmen und Gemeinschaftsorganisationen

Valley National Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmen in New Jersey und Florida. Im vierten Quartal 2023 meldete die Bank 287 Community-Partnerschaften in ihren operativen Regionen.

Partnerschaftstyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Unternehmensnetzwerke	142	New Jersey, Florida
Gemeinschaftsentwicklungsorganisationen	95	Mehrstaatig
Selbsthilfegruppen für kleine Unternehmen	50	Regional

Partnerschaften mit Fintech-Unternehmen für digitale Banking-Lösungen

Valley National Bancorp arbeitet mit mehreren Fintech-Partnern zusammen, um die Möglichkeiten des digitalen Bankings zu verbessern.

• Integration digitaler Zahlungsplattformen
• Partnerschaften im Bereich Mobile-Banking-Technologie
• Anbieter von Cybersicherheitslösungen

Fokus auf Fintech-Partnerschaften	Aktive Partnerschaften	Investitionsbetrag (2023)
Digitale Zahlungslösungen	7	4,2 Millionen US-Dollar
Mobile-Banking-Technologien	5	3,7 Millionen US-Dollar
Cybersicherheitsplattformen	3	2,5 Millionen Dollar

Zusammenarbeit mit Versicherungs- und Investmentfirmen

Valley National Bancorp hat umfassende Partnerschaften mit Versicherungs- und Investmentunternehmen aufgebaut.

• Kooperationen im Bereich Vermögensverwaltungsdienstleistungen
• Integration von Versicherungsprodukten
• Partnerschaften zur Altersvorsorge

Partnerkategorie	Anzahl der Partner	Kollaborative Einnahmen (2023)
Versicherungsanbieter	12	18,6 Millionen US-Dollar
Investment-Management-Firmen	8	22,3 Millionen US-Dollar
Ruhestandsplanungsdienste	6	15,4 Millionen US-Dollar

Beziehungen zu regionalen und nationalen Finanzdienstleistern

Valley National Bancorp unterhält strategische Beziehungen zu verschiedenen Finanzdienstleistern auf unterschiedlichen operativen Ebenen.

Anbietertyp	Anzahl der Partnerschaften	Gesamtwert der Partnerschaft
Regionale Finanzinstitute	23	45,7 Millionen US-Dollar
Nationale Finanzdienstleister	15	67,2 Millionen US-Dollar
Zahlungsnetzwerkpartner	9	32,5 Millionen US-Dollar

Valley National Bancorp (VLY) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete Valley National Bancorp ein Gesamtvermögen von 68,3 Milliarden US-Dollar. Die Bank betreibt 269 Filialen in mehreren Bundesstaaten, darunter New Jersey, New York, Florida und Alabama.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	31,2 Milliarden US-Dollar
Privatkundenkonten	1,8 Millionen Kunden
Geschäftsbankkonten	87.500 Geschäftskunden

Kreditvergabe und -abwicklung

Im Jahr 2023 verarbeitete Valley National Bancorp:

• Vergabe von Hypothekendarlehen: 4,6 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 22,8 Milliarden US-Dollar
• Kreditgenehmigungen für Kleinunternehmen: 6.750 Kredite

Entwicklung einer digitalen Banking-Plattform

Zu den Digital-Banking-Investitionen im Jahr 2023 gehörten:

Digitale Plattformmetrik	Leistung 2023
Mobile-Banking-Benutzer	425,000
Online-Banking-Transaktionen	52,3 Millionen
Investition in digitale Plattformen	47,2 Millionen US-Dollar

Risikomanagement und Compliance

Compliance- und Risikomanagement-Kennzahlen für 2023:

• Budget für die Einhaltung gesetzlicher Vorschriften: 38,5 Millionen US-Dollar
• Investitionen in die Betrugsprävention: 22,7 Millionen US-Dollar
• Compliance-Mitarbeiter: 276 Mitarbeiter

Kundenbeziehungsmanagement

Statistiken zur Kundenbindung für 2023:

CRM-Metrik	Wert
Kundenbindungsrate	87.3%
Kundenzufriedenheitswert	4.2/5
Gesamte Kundeninteraktionen	3,6 Millionen

Valley National Bancorp (VLY) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 betreibt Valley National Bancorp 269 Filialen in New Jersey und Florida. Aufschlüsselung der Filialverteilung:

Staat	Anzahl der Filialen
New Jersey	214
Florida	55

Digitale Banking-Infrastruktur

Kennzahlen zum digitalen Banking:

• Mobile-Banking-Nutzer: 487.000
• Aktive Nutzer der Online-Banking-Plattform: 612.000
• Digitales Transaktionsvolumen im Jahr 2023: 42,3 Millionen

Personalwesen

Gesamtzahl der Mitarbeiter zum 31. Dezember 2023: 3.187

Mitarbeiterkategorie	Nummer
Geschäftsleitung	87
Finanzprofis	1,246
Support-Mitarbeiter	1,854

Technologie und Cybersicherheit

Jährliche Technologieinvestition im Jahr 2023: 87,4 Millionen US-Dollar

Finanzproduktportfolio

• Gewerbliche Kreditprodukte: 17
• Persönliche Bankprodukte: 12
• Wertpapierdienstleistungen: 6

Gesamtvermögen zum 31. Dezember 2023: 82,6 Milliarden US-Dollar

Valley National Bancorp (VLY) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Privatpersonen und Unternehmen

Mit Stand vom vierten Quartal 2023 bietet Valley National Bancorp personalisierte Banklösungen mit einem Gesamtvermögen von 71,8 Milliarden US-Dollar und Gesamteinlagen von 58,1 Milliarden US-Dollar an.

Kundensegment	Produktpalette	Durchschnittliche Kontogröße
Persönliches Banking	Scheck, Sparen, Hypothek	$47,500
Geschäftsbanking	Gewerbliche Kredite, Cash Management	$285,000

Wettbewerbsfähige Zinssätze und Finanzprodukte

Valley National bietet wettbewerbsfähige Zinssätze für mehrere Finanzprodukte:

• Persönliches Sparkonto: 4,25 % effektiver Jahreszins
• Geschäftsscheck: 2,75 % Zinssatz
• 12-Monats-CD: 5,10 % effektiver Jahreszins
• Hypothekenzinsen: Ab 6,75 %

Bequeme digitale und physische Banking-Erlebnisse

Kanal	Anzahl der Standorte	Digitale Benutzer
Physische Zweige	276	N/A
Benutzer des digitalen Bankings	N/A	487,000

Lokale Marktexpertise und Community-Fokus

Valley National ist hauptsächlich in New Jersey, New York und Florida tätig und verfügt über eine konzentrierte Marktpräsenz.

• Marktdurchdringung in New Jersey: 22 %
• Gemeinschaftsinvestition: 45,3 Millionen US-Dollar im Jahr 2023
• Vergebene Kleinunternehmenskredite: 1.247 im vierten Quartal 2023

Umfassende Finanzberatungsdienste

Servicetyp	Jahresumsatz	Kundenstamm
Vermögensverwaltung	87,5 Millionen US-Dollar	22.500 Kunden
Anlageberatung	63,2 Millionen US-Dollar	15.700 Kunden

Valley National Bancorp (VLY) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Ab dem vierten Quartal 2023 bietet Valley National Bancorp personalisierten Kundenservice durch:

• 147 Full-Service-Filialen in New Jersey, New York, Florida und Alabama
• Gesamtkundenstamm von rund 2,1 Millionen Kunden

Servicekanal	Kennzahlen zur Kundeninteraktion
Kundeninteraktionen in der Filiale	Durchschnittlich 85.000 persönliche Interaktionen pro Monat
Digitaler Kundensupport	Über 350.000 monatliche digitale Service-Interaktionen

Multi-Channel-Kommunikation

Valley National Bancorp bietet umfassende Kommunikationskanäle:

• Physische Filialen: 147 Standorte
• Online-Banking-Plattform: 1,2 Millionen aktive digitale Nutzer
• Mobile-Banking-App: 890.000 aktive mobile Nutzer
• 24/7-Kundendienst-Telefoncenter

Treueprogramme und Relationship Banking

Zu den Kundenbindungsstrategien gehören:

• Relationship-Banking-Programm, das 65 % des bestehenden Kundenstamms abdeckt
• Durchschnittlicher Kundenbeziehungswert: 47.300 $
• Kundenbindungsrate: 87,4 %

Finanzielle Bildung und Beratungsunterstützung

Beratungsdienst	Jährliches Engagement
Kostenlose Finanzworkshops	42 Workshops jährlich
Online-Finanzressourcen	Über 250 digitale Lehrmaterialien
Persönliche Finanzberatung	Ungefähr 12.000 Sitzungen pro Jahr

Engagierte Beziehungsmanager

Geschäftskundenbeziehungsmanagement:

• 92 engagierte Geschäftsbeziehungsmanager
• Durchschnittliche Portfoliogröße: 78 Millionen US-Dollar pro Manager
• Abdeckung von 4.200 Geschäftsbankkunden

Valley National Bancorp (VLY) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt Valley National Bancorp 269 Full-Service-Filialen in mehreren Bundesstaaten, hauptsächlich in New Jersey, New York und Florida. Die Filialverteilung ist wie folgt:

Staat	Anzahl der Filialen
New Jersey	132
New York	87
Florida	50

Online-Banking-Plattform

Funktionen des digitalen Bankings:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Digitale Kontoauszüge
• Kreditanträge

Mobile-Banking-Anwendung

Statistiken zu mobilen Apps, Stand 4. Quartal 2023:

• Gesamtzahl der Mobile-Banking-Nutzer: 425.000
• Anzahl der Downloads mobiler Apps: 275.000
• Durchschnittliche monatlich aktive Benutzer: 310.000

ATM-Netzwerk

Geldautomatentyp	Gesamtzahl
Bankeigene Geldautomaten	186
Gemeinsam genutzte Netzwerk-Geldautomaten	45,000+

Kundendienst-Callcenter

Kundensupportkanäle:

• Telefonsupport rund um die Uhr
• Durchschnittliches Callcenter-Personal: 275
• Jährliches Anrufvolumen: 2,1 Millionen
• Durchschnittliche Antwortzeit: 3,2 Minuten

Valley National Bancorp (VLY) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreute Valley National Bancorp etwa 2,1 Millionen private Privatkunden in New Jersey, New York und Florida.

Kundensegment	Gesamtkonten	Durchschnittlicher Kontostand
Persönliche Überprüfung	587,000	$4,750
Persönliche Ersparnisse	412,000	$12,300

Kleine und mittlere Unternehmen

Valley National Bancorp unterstützt 68.500 kleine und mittlere Geschäftskunden mit gewerblichen Krediten in Höhe von insgesamt 12,4 Milliarden US-Dollar (Stand: 31. Dezember 2023).

• Geschäftsgirokonten: 42.300
• Geschäftskreditkunden: 16.200
• Durchschnittliche Höhe eines Geschäftskredits: 765.000 $

Firmen- und Gewerbekunden

Die Bank betreut 3.750 Firmen- und Gewerbekunden mit gewerblichen Krediten in Höhe von insgesamt 24,6 Milliarden US-Dollar im Jahr 2023.

Industriesektor	Anzahl der Kunden	Gesamtkreditportfolio
Immobilien	1,450	9,2 Milliarden US-Dollar
Professionelle Dienstleistungen	890	4,7 Milliarden US-Dollar

Vermögende Privatpersonen

Valley National Bancorp verwaltet das Vermögen von 12.500 vermögenden Privatpersonen mit einem verwalteten Gesamtvermögen von 6,3 Milliarden US-Dollar im Jahr 2023.

• Durchschnittliches Nettovermögen des Kunden: 3,2 Millionen US-Dollar
• Vermögensverwaltungskonten: 8.700
• Private Banking-Kunden: 3.800

Lokale gemeinschaftliche und regionale Marktsegmente

Die Bank betreibt 268 Filialen in New Jersey, New York und Florida und bedient verschiedene regionale Märkte mit einem Gesamteinlagenbestand von 68,4 Milliarden US-Dollar (Stand 31. Dezember 2023).

Staat	Anzahl der Filialen	Gesamteinlagen
New Jersey	142	38,6 Milliarden US-Dollar
New York	76	19,2 Milliarden US-Dollar
Florida	50	10,6 Milliarden US-Dollar

Valley National Bancorp (VLY) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Für das Geschäftsjahr 2023 meldete Valley National Bancorp Gesamtvergütungsaufwendungen in Höhe von 511,4 Millionen US-Dollar. Die mitarbeiterbezogenen Kosten gliedern sich wie folgt auf:

Ausgabenkategorie	Betrag ($)
Grundgehälter	348,950,000
Leistungen an Arbeitnehmer	112,450,000
Renten- und Ruhestandsbeiträge	50,000,000

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur für Valley National Bancorp beliefen sich im Jahr 2023 auf insgesamt 87,3 Millionen US-Dollar, mit den folgenden Schlüsselkomponenten:

• Wartung der IT-Systeme: 42.500.000 US-Dollar
• Investitionen in Cybersicherheit: 22.800.000 US-Dollar
• Upgrades der digitalen Banking-Plattform: 22.000.000 US-Dollar

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten für 2023 beliefen sich auf 134,6 Millionen US-Dollar:

Ausgabenkategorie	Betrag ($)
Miet- und Pachtkosten	58,200,000
Dienstprogramme	24,600,000
Wartung und Reparaturen	51,800,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben für Valley National Bancorp beliefen sich im Jahr 2023 auf 63,2 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 28.500.000 US-Dollar
• Regulatorische Meldesysteme: 19.700.000 US-Dollar
• Externe Prüfung und Beratung: 15.000.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 45,7 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	18,300,000
Traditionelle Medienwerbung	14,500,000
Kampagnen zur Kundengewinnung	12,900,000

Valley National Bancorp (VLY) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete Valley National Bancorp einen Nettozinsertrag von 1,27 Milliarden US-Dollar. Das Kreditportfolio der Bank generierte Zinserträge in Höhe von 1,16 Milliarden US-Dollar, wobei Anlagepapiere weitere 110 Millionen US-Dollar beisteuerten.

Einnahmequelle	Betrag (2023)
Gesamter Nettozinsertrag	1,27 Milliarden US-Dollar
Darlehenszinserträge	1,16 Milliarden US-Dollar
Zinsen für Anlagewertpapiere	110 Millionen Dollar

Kostenpflichtige Dienste

Valley National Bancorp erwirtschaftete im Jahr 2023 zinslose Einnahmen in Höhe von 213 Millionen US-Dollar aus gebührenpflichtigen Dienstleistungen.

• Servicegebühren für Einlagenkonten: 87 Millionen US-Dollar
• Kreditkartengebühren: 42 Millionen US-Dollar
• Gebühren für Geldautomaten und elektronisches Banking: 38 Millionen US-Dollar
• Sonstige sonstige Gebühren: 46 Millionen US-Dollar

Gebühren für Geschäfts- und Privatkundenbanken

Die Einnahmen aus Geschäftsbankgebühren beliefen sich im Jahr 2023 auf insgesamt 95 Millionen US-Dollar. Zu den wichtigsten Umsatzsegmenten zählen:

Gebührenkategorien für Geschäftsbanken	Umsatz (2023)
Treasury-Management-Dienstleistungen	45 Millionen Dollar
Gebühren für die Aufnahme gewerblicher Kredite	35 Millionen Dollar
Unternehmensberatungsdienstleistungen	15 Millionen Dollar

Einnahmen aus Hypotheken- und Kreditprodukten

Die hypothekenbezogenen Einnahmen von Valley National Bancorp beliefen sich im Jahr 2023 auf 67 Millionen US-Dollar.

• Gebühren für die Vergabe von Wohnhypotheken: 42 Millionen US-Dollar
• Gebühren für die Hypothekenverwaltung: 25 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Investmentdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 58 Millionen US-Dollar.

Einnahmequellen für Wertpapierdienstleistungen	Betrag (2023)
Gebühren für die Vermögensverwaltung	35 Millionen Dollar
Finanzberatungsdienstleistungen	23 Millionen Dollar

Valley National Bancorp (VLY) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Valley National Bancorp over competitors. It's about a specific service model backed by concrete financial strength and a broad product shelf.

The foundation is the Relationship Bank model, focused on high-touch service and partnership. This is evidenced by the success in attracting core commercial funds; over the past 12 months leading up to Q3 2025, indirect deposits as a percent of total deposits dropped from 18% to 11%. Furthermore, in the third quarter of 2025, roughly 80% of the core deposit growth came directly from commercial clients, showing deep relationship penetration.

Valley National Bancorp offers a full suite of financial products across commercial, consumer, and wealth management. The non-interest income stream reflects this diversification. As of Q3 2025, wealth, trust, and insurance services accounted for 30% of total non-interest income, while deposit service charges made up 26%. The bank managed total assets of approximately $63 billion as of June 2025.

Financial resilience is a key proposition, supported by a stable funding base. While the exact uninsured percentage is not stated, the composition shows a reliance on sticky core deposits. As of Q2 2025, the deposit mix was:

Deposit Category	Percentage of Total Deposits (Q2 2025)
Non-Interest Bearing Deposits	23%
Savings, NOW, and Money Market Deposits	52%
Time Deposits	25%

The bank also emphasizes specialized services for its commercial base, including Treasury management and tax credit advisory. The Treasury Solutions group achieved a 27% annualized increase in deposit service revenue in Q2 2025. The tax credit advisory business was specifically noted as a lift to wealth management performance in Q3 2025.

The loan portfolio offers competitive loan products, with a clear strategic pivot toward higher-growth segments. The growth in Commercial and Industrial (C&I) loans is a prime example of this focus:

• C&I loans grew by 28.4% year-over-year in Q2 2025.
• The C&I loan balance reached $10.9 billion at the end of Q2 2025.
• Total loans stood at $49.4 billion at June 30, 2025.
• Automobile loans, another consumer product, grew by 27.0% year-over-year in Q2 2025, totaling $2.2 billion.

The net interest margin (NIM) for Q2 2025 was 3.01%, an improvement from 2.84% in Q2 2024, driven by these higher-yielding originations.

Finance: draft 13-week cash view by Friday.

Valley National Bancorp (VLY) - Canvas Business Model: Customer Relationships

Valley National Bancorp emphasizes a service model that blends high-touch personal attention with scalable digital convenience for its diverse client base.

Dedicated relationship managers for commercial and wealth clients.

• Support from expert relationship managers is offered for business banking needs.
• The bank operates over 200 consumer branches and commercial banking offices across its 6-state footprint, providing in-person access to these managers.
• The strategy includes focused business development and the use of dedicated relationship managers to build customer loyalty.

Personalized advisory services for high-net-worth individuals.

• Wealth management services are a focus area, aiming to provide personalized advice.
• Non-interest income in the third quarter of 2025 included an increase of $2.1 million driven by wealth management and trust fees.
• Valley Wealth Management offers personalized financial planning for business executives, including leadership transition strategies.

High-touch, community-bank service ethos despite being a regional powerhouse.

• Valley National Bancorp was recognized as one of America's Best Regional Banks for 2025 by Newsweek.
• GOBankingRates named Valley National Bank the Best Bank in New Jersey for 2025.
• The bank's vision centers on being the premier financial institution known for building long-term relationships and delivering superior customer service.

Digital self-service options via mobile and online banking platforms.

• Digital transaction volume increased by 30% year-over-year in fiscal year 2024.
• On October 13, 2025, Valley National Bancorp announced a $150 million investment in AI-driven customer service tools.
• This digital investment aims to reduce customer acquisition costs by 20% over the next 18 months.

Proactive business development efforts, especially for commercial clients.

• Commercial & Industrial (C&I) loans grew by 28.4% year-over-year to $10.9 billion as of Q2 2025.
• Deposit inflows from commercial customer and government accounts were a main driver for the increase in savings, NOW, and money market deposit balances in Q3 2025.
• Non-interest income of $64.9 million in Q3 2025 was driven by growth in treasury service fees for commercial deposit customers.

The following table summarizes key metrics reflecting the scale and success of relationship-focused growth initiatives as of mid-to-late 2025 data:

Relationship Metric	Value/Amount	Reporting Period/Context
Commercial & Industrial Loan Growth	28.4%	Year-over-year as of Q2 2025
Total Deposits	$51.2 billion	As of September 30, 2025
Non-Interest Income (Fees)	$64.9 million	Q3 2025
AI Investment for Digital Service	$150 million	Announced October 13, 2025
Targeted CAC Reduction from AI	20%	Over the next 18 months
Physical Banking Offices	200+	Across the footprint

The bank reported a net income of $163.4 million in Q3 2025, up from $133.2 million in the previous quarter.

Valley National Bancorp (VLY) - Canvas Business Model: Channels

You're looking at how Valley National Bancorp (VLY) gets its products and services into the hands of its customers as of late 2025. It's a mix of old-school presence and modern digital push, which is typical for a regional bank of its size-around $62 billion in total assets as of mid-2025.

Retail branch network and ATM locations in core geographic markets.

Valley National Bancorp maintains a significant physical footprint to support its high-touch service model. The bank operates over 230 branch locations and commercial banking offices across its key states.

• Geographic markets include New Jersey, New York, Florida, Alabama, California, and Illinois.
• The bank provides a locator for its bank and ATM network on its website.

Online and mobile banking platforms for consumer and commercial transactions.

Digital adoption is clearly a focus, with investments aimed at making these channels more efficient. Digital transactions saw a 30% increase year-over-year in fiscal year 2024. As of 2025, 72% of U.S. adults report using mobile banking apps, and 64% of U.S. adults prefer mobile banking.

Valley National Bancorp announced a $150 million investment in AI-driven customer service tools on October 13, 2025, with a goal to reduce customer acquisition costs by 20% over the next 18 months. The growth in core deposits in Q1 2025 was partially attributed to new deposits from its online savings deposit product offerings.

Digital Channel Metric (2025 Data)	Value/Percentage
Digital Transaction Growth (YoY FY2024)	30%
U.S. Adults Using Mobile Banking Apps (2025 Est.)	72%
U.S. Adults Preferring Mobile Banking (2025 Est.)	64%
AI Investment for Customer Service	$150 million

Dedicated commercial banking and wealth management teams.

Specialized teams drive revenue in fee-based services and complex commercial lending. The Commercial Banking CBL focuses on organizations with annual revenue between $5 million and $150 million. The bank has over 3,800 employees across various segments, including commercial and industrial lending.

Wealth management saw a direct financial impact from its channel activity; wealth management and trust fees increased by $2.1 million in the third quarter of 2025 compared to the second quarter of 2025. Gino Martocci was appointed Senior Executive Vice President, President of Commercial Banking in March 2025.

• Wealth Management advisory products are offered through Valley Financial Management, Inc. (VFM) and Valley Wealth Managers, Inc. (VWM).
• The Commercial Banking CBL includes Commercial & Industrial (C&I) and Commercial Real Estate (CRE) segments.

Direct customer acquisition efforts, reducing reliance on indirect deposits.

The strategy actively shifts funding sources toward more stable, direct customer relationships. Reliance on indirect deposits declined from 18% to 13% over the past year. Direct customer deposits increased by $1.7 billion in the fourth quarter of 2024.

The bank reported total deposits of $50.1 billion at year-end 2024, which was a 2% increase from year-end 2023, net of a $500 million reduction in indirect deposits.

Contact centers and telephone banking for customer support.

For direct support, Valley National Bancorp provides a centralized contact point for customer care.

• Customer Care Center telephone number: 800-522-4100.
• The bank also offers options to make appointments with local bankers.

Valley National Bancorp (VLY) - Canvas Business Model: Customer Segments

You're looking at Valley National Bancorp (VLY) as of late 2025, and the customer base reflects a clear strategy: capturing high-quality commercial relationships while maintaining a strong retail foundation. The bank's total assets stood at approximately $63 billion as of June 2025.

Commercial & Industrial (C&I) businesses, including healthcare and manufacturing.

Valley National Bancorp has made C&I a primary growth engine. Commercial & Industrial loans increased by 28.4% year-over-year to reach $10.9 billion in Q2 2025. This focus is on relationship-focused clients, and the success in this area is also seen in fee income, with non-interest income in Q3 2025 rising due to an increase in treasury service fees for commercial deposit customers.

Commercial Real Estate (CRE) owners and investors.

The bank is actively managing its CRE concentration. Exposure in this segment was reduced by $288.6 million during Q2 2025. Despite the reduction, CRE loans still represented 349% of risk-based capital as of Q2 2025. The bank highlighted the strength of its underwriting, noting it sold $920 million of CRE loans in December 2024.

Households and consumers seeking mortgages, auto loans, and retail banking.

The consumer side is characterized by strong deposit gathering. Valley National Bancorp added approximately 110,000 new deposit accounts over the past 12 months leading up to Q3 2025. Total deposit balances reached $51.2 billion at September 30, 2025. On the lending side, auto loans saw a significant jump, increasing by 27.0% to $2.2 billion in Q2 2025. The bank is focused on turning these depositors into holistic banking clients.

Small businesses with annual revenues under $5 million.

While the specific revenue cutoff isn't explicitly detailed in the latest reports, the focus on middle-market businesses and C&I lending serves this group. The bank aims to serve small to mid-sized businesses, often those with the agility to capitalize on market uncertainty. The growth in C&I loans, which reached $10.9 billion in Q2 2025, is the primary indicator of service to this segment.

High-net-worth individuals for advanced wealth management solutions.

The Wealth Management division, which includes asset management advisory and private banking, contributes to non-interest income. In Q3 2025, wealth management and trust fees contributed to a $2.1 million increase in non-interest income. For one of its advisory services, Valley Financial Management, Inc. (VFM), the reported Assets Under Management (AUM) as of the date of its ADV Part 2A filing was $55,965.

Here's a quick look at the scale of the balance sheet supporting these customer segments as of mid-to-late 2025:

Metric	Amount/Value	Date Reference
Total Assets	Approx. $63 Billion	June 2025
Total Deposits	$51.2 Billion	September 30, 2025
C&I Loans	$10.9 Billion	Q2 2025
Auto Loans	$2.2 Billion	Q2 2025
Net Interest Margin (Tax Equivalent)	3.05%	Q3 2025

The bank's strategy is clearly leaning into commercial and consumer lending while managing CRE risk. You'll want to watch the continued success of their deposit gathering, which added 110,000 new accounts over the last year.

• Core deposit growth over the past year was nearly 10%.
• Roughly 80% of Q3 2025 core deposit growth came from commercial clients.
• The bank is targeting 3% loan growth for 2025.
• The efficiency ratio improved to 55.2% in Q2 2025.

Finance: draft 13-week cash view by Friday.

Valley National Bancorp (VLY) - Canvas Business Model: Cost Structure

You're looking at the expense side of Valley National Bancorp's operations as of late 2025. For a bank, the cost structure is dominated by funding costs and operating expenses, and the data shows a clear focus on discipline here.

Interest expense on deposits and borrowings remains a major cost driver, directly tied to the rates paid to depositors and lenders. For the third quarter of 2025, total interest expense reached $380.7 million. The cost of total average deposits for that same quarter was 2.69 percent, while the overall cost of average interest bearing liabilities stood at 3.57 percent. Management has been actively managing this by growing core deposits, which helped the cost of average interest bearing liabilities increase by only 1 basis point sequentially in Q3 2025, despite a $1.1 billion increase in average interest bearing deposit balances.

Management has guided non-interest expense growth to a controlled range of 2% to 4% for the full year 2025. This reflects an ongoing focus on operating leverage. For instance, in the third quarter of 2025, non-interest expense actually decreased by $2.1 million to $282.0 million compared to the second quarter of 2025, partly due to a $3.8 million decrease in FDIC insurance assessment expense. The efficiency ratio improved to 53.4% in Q3 2025, down from 56.1% a year earlier.

Personnel costs are a key component of non-interest expense, reflecting the growing commercial and consumer banking team. Salary and employee benefits expense saw an increase of $2.8 million from the first quarter of 2025 to the second quarter of 2025, driven by annual salary merit increases and higher cash incentive compensation. The first quarter 2025 expenses included normal seasonal increases related to payroll taxes. The bank is definitely investing in its team to support its relationship banking model.

The Provision for Credit Losses shows a significant reduction in expected credit costs through the first nine months of 2025. The cumulative provision for credit losses for loans for the first nine months of 2025 was $119.6 million, which aligns with the sum of the reported quarterly provisions: Q1 2025 provision was $62.7 million, Q2 2025 was $37.8 million, and Q3 2025 was $19.2 million. Management had previously refined the full-year 2025 provision estimate to approximately $150 million.

Here's how the quarterly provision trended leading up to that nine-month figure:

Period End Date	Provision for Credit Losses (USD Millions)
March 31, 2025 (Q1)	62.7
June 30, 2025 (Q2)	37.8
September 30, 2025 (Q3)	19.2

Regarding Technology and infrastructure investment for digital transformation, the expense side shows some fluctuation. Non-interest expense for the first quarter of 2025 decreased by $5.6 million in technology, furniture and equipment expense compared to the fourth quarter of 2024. This decrease was attributed to elevated fourth quarter 2024 expenses resulting from transformation and enhancement efforts in bank operations. The bank continues to invest in its digital platforms to support its omnichannel experience.

The main cost elements are:

• Interest expense on deposits and borrowings, a major cost driver.
• Non-interest expense growth guided to a controlled 2% to 4% for 2025.
• Personnel costs rising due to annual merit increases and incentives.
• Provision for credit losses totaling $119.6 million for the first nine months of 2025.
• Technology expense fluctuations tied to prior transformation efforts.

Finance: draft 13-week cash view by Friday.

Valley National Bancorp (VLY) - Canvas Business Model: Revenue Streams

You're looking at how Valley National Bancorp actually makes its money, focusing on the hard numbers from late 2025. The revenue picture is clearly split between interest earned and fees collected, showing a strategic shift toward more stable fee income.

The primary engine remains Net Interest Income (NII), which is the difference between what Valley National Bancorp earns on its assets, like loans, and what it pays out on its liabilities, like deposits. For the third quarter of 2025, NII on a tax equivalent basis hit $447.5 million. This was supported by a net interest margin that expanded to 3.05 percent on a tax equivalent basis for Q3 2025.

The second major component is Non-Interest Income, which totaled $64.9 million in Q3 2025. This was an increase of $2.3 million compared to the second quarter of 2025. This growth was largely driven by a combined $2.1 million increase from service charges on deposit accounts and wealth management and trust fees.

Overall revenue figures show the scale of the business. For the twelve months ending September 30, 2025, Valley National Bancorp reported total revenue of $3.489B. For the quarter ending September 30, 2025, the reported revenue was $483.79M, representing a 26.33% growth for that specific quarter. Management has a forward-looking revenue growth forecast of 32% for the full fiscal year 2025.

Here's a breakdown of the key revenue streams and their reported Q3 2025 context:

Revenue Stream Category	Q3 2025 Amount/Metric	Context/Driver
Net Interest Income (Tax Equivalent Basis)	$447.5 million	Increased $13.8 million sequentially from Q2 2025.
Total Non-Interest Income	$64.9 million	Increased $2.3 million sequentially.
Service Charges on Deposit Accounts (as % of NII)	26%	Contributed to the $2.1 million increase in Non-Interest Income.
Wealth, Trust, and Insurance Services (as % of NII)	30%	Contributed to the $2.1 million increase in Non-Interest Income.
Total Revenue (TTM ending Sep 30, 2025)	$3.489B	Represents a 2.2% decline year-over-year for the TTM period.

The non-interest income is increasingly reliant on more stable, recurring fee sources, moving away from volatile sales gains. You can see the specific areas seeing momentum:

• Deposit service charges saw continued growth, tied to expanding the penetration of the commercial client base with the treasury management platform.
• Wealth management and trust fees increased by $2.1 million sequentially.
• Brokerage fees are a contributing factor to the non-interest income growth.
• Tax credit advisory service fees are another specific fee-based revenue stream noted for its contribution.
• Brokerage and insurance products are formally provided through Valley Financial Management, Inc. ("VFM").

Loan origination and servicing fees, including those from mortgages and auto loans, are part of the overall interest income generation, which saw interest income on a tax equivalent basis rise to $828.2 million in Q3 2025 compared to Q2 2025, largely due to higher yields on new loan originations. The bank is actively managing its loan portfolio, having sold $920 million of commercial real estate loans in December 2024.

Finance: draft 13-week cash view by Friday.