Valley National Bancorp (VLY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca moderna, Valley National Bancorp (Vly) surge como una potencia estratégica, entrelazando soluciones digitales innovadoras con conexiones comunitarias profundas. Al crear meticulosamente un modelo de negocio que equilibra la destreza tecnológica y el servicio personalizado, se ha posicionado como una institución financiera versátil que atiende a diversos segmentos de clientes en Nueva Jersey y Florida. Este lienzo completo de modelo de negocio presenta los intrincados mecanismos que impulsan el éxito del banco, revelando cómo las asociaciones estratégicas, los recursos sólidos y los enfoques centrados en el cliente convergen para crear un ecosistema bancario convincente.

Valley National Bancorp (Vly) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con empresas locales y organizaciones comunitarias

Valley National Bancorp mantiene asociaciones estratégicas con empresas locales en Nueva Jersey y Florida. A partir del cuarto trimestre de 2023, el banco reportó 287 asociaciones comunitarias en sus regiones operativas.

Tipo de asociación	Número de asociaciones	Cobertura geográfica
Redes comerciales locales	142	Nueva Jersey, Florida
Organizaciones de desarrollo comunitario	95	Multi-estatal
Grupos de apoyo para pequeñas empresas	50	Regional

Asociaciones con empresas fintech para soluciones de banca digital

Valley National Bancorp colabora con múltiples socios fintech para mejorar las capacidades de banca digital.

• Integración de la plataforma de pago digital
• Asociaciones de tecnología de banca móvil
• Proveedores de soluciones de ciberseguridad

Enfoque de asociación Fintech	Asociaciones activas	Monto de inversión (2023)
Soluciones de pago digital	7	$ 4.2 millones
Tecnologías de banca móvil	5	$ 3.7 millones
Plataformas de ciberseguridad	3	$ 2.5 millones

Colaboración con empresas de seguros e inversiones

Valley National Bancorp ha establecido asociaciones integrales con entidades de seguros e inversiones.

• Colaboraciones de servicios de gestión de patrimonio
• Integraciones de productos de seguro
• Asociaciones de planificación de jubilación

Categoría de socio	Número de socios	Ingresos colaborativos (2023)
Proveedores de seguros	12	$ 18.6 millones
Empresas de gestión de inversiones	8	$ 22.3 millones
Servicios de planificación de jubilación	6	$ 15.4 millones

Relaciones con proveedores de servicios financieros regionales y nacionales

Valley National Bancorp mantiene relaciones estratégicas con varios proveedores de servicios financieros en diferentes escalas operativas.

Tipo de proveedor	Número de asociaciones	Valor de asociación total
Instituciones financieras regionales	23	$ 45.7 millones
Proveedores de servicios financieros nacionales	15	$ 67.2 millones
Socios de red de pago	9	$ 32.5 millones

Valley National Bancorp (Vly) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Valley National Bancorp informó activos totales de $ 68.3 mil millones. El banco opera 269 sucursales en múltiples estados, incluidos Nueva Jersey, Nueva York, Florida y Alabama.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 31.2 mil millones
Cuentas bancarias minoristas	1.8 millones de clientes
Cuentas bancarias de negocios	87,500 clientes comerciales

Originación y procesamiento de préstamos

En 2023, Valley National Bancorp procesó:

• Originaciones de préstamos hipotecarios: $ 4.6 mil millones
• Préstamos inmobiliarios comerciales: $ 22.8 mil millones
• Aprobaciones de préstamos para pequeñas empresas: 6.750 préstamos

Desarrollo de la plataforma de banca digital

Las inversiones bancarias digitales en 2023 incluyeron:

Métrica de plataforma digital	2023 rendimiento
Usuarios de banca móvil	425,000
Transacciones bancarias en línea	52.3 millones
Inversión de plataforma digital	$ 47.2 millones

Gestión de riesgos y cumplimiento

Métricas de cumplimiento y gestión de riesgos para 2023:

• Presupuesto de cumplimiento regulatorio: $ 38.5 millones
• Inversiones de prevención de fraude: $ 22.7 millones
• Personal de cumplimiento: 276 empleados

Gestión de la relación con el cliente

Estadísticas de participación del cliente para 2023:

Métrico CRM	Valor
Tasa de retención de clientes	87.3%
Puntuación de satisfacción del cliente	4.2/5
Interacciones totales del cliente	3.6 millones

Valley National Bancorp (Vly) - Modelo de negocios: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, Valley National Bancorp opera 269 sucursales en Nueva Jersey y Florida. Desglose de distribución de ramas:

Estado	Número de ramas
Nueva Jersey	214
Florida	55

Infraestructura bancaria digital

Métricas bancarias digitales:

• Usuarios de banca móvil: 487,000
• Plataforma bancaria en línea Usuarios activos: 612,000
• Volumen de transacción digital en 2023: 42.3 millones

Recursos humanos

Total de empleados al 31 de diciembre de 2023: 3,187

Categoría de empleado	Número
Alta gerencia	87
Profesionales financieros	1,246
Personal de apoyo	1,854

Tecnología y ciberseguridad

Inversión tecnológica anual en 2023: $ 87.4 millones

Cartera de productos financieros

• Productos de préstamos comerciales: 17
• Productos bancarios personales: 12
• Servicios de inversión: 6

Activos totales al 31 de diciembre de 2023: $ 82.6 mil millones

Valley National Bancorp (Vly) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para individuos y empresas

A partir del cuarto trimestre de 2023, Valley National Bancorp ofrece soluciones bancarias personalizadas con activos totales de $ 71.8 mil millones y depósitos totales de $ 58.1 mil millones.

Segmento de clientes	Gama de productos	Tamaño promedio de la cuenta
Banca personal	Verificación, ahorro, hipoteca	$47,500
Banca de negocios	Préstamos comerciales, gestión de efectivo	$285,000

Tasas de interés competitivas y productos financieros

Valley National proporciona tarifas competitivas en múltiples productos financieros:

• Cuenta de ahorro personal: 4.25% APY
• Comprobación de negocios: tasa de interés del 2.75%
• CD de 12 meses: 5.10% APY
• Tasas hipotecarias: a partir del 6.75%

Experiencias de banca digital y física convenientes

Canal	Número de ubicaciones	Usuarios digitales
Ramas físicas	276	N / A
Usuarios bancarios digitales	N / A	487,000

Experiencia en el mercado local y enfoque comunitario

Valley National opera principalmente en Nueva Jersey, Nueva York y Florida, con una presencia de mercado concentrada.

• Penetración del mercado en Nueva Jersey: 22%
• Inversión comunitaria: $ 45.3 millones en 2023
• Préstamos para pequeñas empresas emitidas: 1.247 en el cuarto trimestre de 2023

Servicios de asesoramiento financiero integral

Tipo de servicio	Ingresos anuales	Base de clientes
Gestión de patrimonio	$ 87.5 millones	22,500 clientes
Aviso de inversión	$ 63.2 millones	15,700 clientes

Valley National Bancorp (Vly) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Valley National Bancorp brinda servicio al cliente personalizado a través de:

• 147 ubicaciones de sucursales de servicio completo en Nueva Jersey, Nueva York, Florida y Alabama
• Base total de clientes de aproximadamente 2.1 millones de clientes

Canal de servicio	Métricas de interacción del cliente
Interacciones del cliente de rama	Promedio de 85,000 interacciones mensuales en persona
Atención al cliente digital	Más de 350,000 interacciones mensuales de servicio digital

Comunicación multicanal

Valley National Bancorp ofrece canales de comunicación integrales:

• Ramas físicas: 147 ubicaciones
• Plataforma de banca en línea: 1.2 millones de usuarios digitales activos
• Aplicación de banca móvil: 890,000 usuarios móviles activos
• Centro telefónico de atención al cliente 24/7

Programas de fidelización y banca de relación

Las estrategias de retención de clientes incluyen:

• Programa de banca de relación que cubre el 65% de la base de clientes existente
• Valor promedio de la relación con el cliente: $ 47,300
• Tasa de retención de clientes: 87.4%

Educación financiera y apoyo de asesoramiento

Servicio de asesoramiento	Compromiso anual
Talleres financieros gratuitos	42 talleres anualmente
Recursos financieros en línea	Más de 250 materiales educativos digitales
Asesoramiento financiero uno a uno	Aproximadamente 12,000 sesiones por año

Gerentes de relaciones dedicadas

Gestión de la relación de clientes comerciales:

• 92 gerentes de relaciones comerciales dedicadas
• Tamaño promedio de la cartera: $ 78 millones por gerente
• Cobertura de 4.200 clientes de banca comercial

Valley National Bancorp (Vly) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2023, Valley National Bancorp opera 269 sucursales de servicio completo en múltiples estados, principalmente en Nueva Jersey, Nueva York y Florida. La distribución de la rama es la siguiente:

Estado	Número de ramas
Nueva Jersey	132
Nueva York	87
Florida	50

Plataforma bancaria en línea

Características bancarias digitales:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones digitales
• Solicitud de préstamo

Aplicación de banca móvil

Estadísticas de aplicaciones móviles a partir del cuarto trimestre 2023:

• Usuarios de banca móvil total: 425,000
• Descarga de la aplicación móvil Recuento: 275,000
• Usuarios activos mensuales promedio: 310,000

Red de cajeros automáticos

Tipo de cajero automático	Recuento total
Cajeros automáticos	186
ATM de red compartidos	45,000+

Centros de llamadas de servicio al cliente

Canales de atención al cliente:

• Soporte telefónico 24/7
• Personal promedio del centro de llamadas: 275
• Volumen anual de llamadas: 2.1 millones
• Tiempo de respuesta promedio: 3.2 minutos

Valley National Bancorp (Vly) - Modelo de negocios: segmentos de clientes

Clientes de banca minorista individual

A partir del cuarto trimestre de 2023, Valley National Bancorp sirvió a aproximadamente 2.1 millones de clientes de banca minorista individual en Nueva Jersey, Nueva York y Florida.

Segmento de clientes	Cuentas totales	Saldo de cuenta promedio
Comprobación personal	587,000	$4,750
Ahorros personales	412,000	$12,300

Pequeñas y medianas empresas

Valley National Bancorp admite 68,500 clientes comerciales pequeños y medianos con préstamos comerciales totales de $ 12.4 mil millones al 31 de diciembre de 2023.

• Cuentas corrientes de negocios: 42,300
• Clientes de préstamos comerciales: 16,200
• Tamaño promedio del préstamo comercial: $ 765,000

Clientes corporativos y comerciales

El banco atiende a 3.750 clientes corporativos y comerciales con préstamos comerciales totales de $ 24.6 mil millones en 2023.

Sector industrial	Número de clientes	Cartera de préstamos totales
Bienes raíces	1,450	$ 9.2 mil millones
Servicios profesionales	890	$ 4.7 mil millones

Individuos de alto nivel de red

Valley National Bancorp gestiona la riqueza para 12,500 individuos de alto nivel de red con activos totales bajo una administración de $ 6.3 mil millones en 2023.

• Piso neto promedio del cliente: $ 3.2 millones
• Cuentas de gestión de patrimonio: 8,700
• Clientes bancarios privados: 3.800

Segmentos de mercado local y de mercado regional

El banco opera 268 sucursales en Nueva Jersey, Nueva York y Florida, atendiendo a diversos mercados regionales con una base de depósito total de $ 68.4 mil millones al 31 de diciembre de 2023.

Estado	Número de ramas	Depósitos totales
Nueva Jersey	142	$ 38.6 mil millones
Nueva York	76	$ 19.2 mil millones
Florida	50	$ 10.6 mil millones

Valley National Bancorp (Vly) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

Para el año fiscal 2023, Valley National Bancorp informó gastos de compensación total de $ 511.4 millones. El desglose de los costos relacionados con los empleados es el siguiente:

Categoría de gastos	Monto ($)
Salarios base	348,950,000
Beneficios para empleados	112,450,000
Contribuciones de pensión y jubilación	50,000,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para Valley National Bancorp en 2023 totalizaron $ 87.3 millones, con los siguientes componentes clave:

• Mantenimiento de sistemas de TI: $ 42,500,000
• Inversiones de ciberseguridad: $ 22,800,000
• Actualizaciones de la plataforma de banca digital: $ 22,000,000

Gastos de operación de rama

Los costos operativos relacionados con la sucursal para 2023 ascendieron a $ 134.6 millones:

Categoría de gastos	Monto ($)
Gastos de alquiler y arrendamiento	58,200,000
Utilidades	24,600,000
Mantenimiento y reparaciones	51,800,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para Valley National Bancorp en 2023 fueron de $ 63.2 millones:

• Personal legal y de cumplimiento: $ 28,500,000
• Sistemas de informes regulatorios: $ 19,700,000
• Auditoría externa y consultoría: $ 15,000,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 45.7 millones:

Canal de marketing	Monto ($)
Marketing digital	18,300,000
Publicidad de medios tradicional	14,500,000
Campañas de adquisición de clientes	12,900,000

Valley National Bancorp (Vly) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, Valley National Bancorp informó ingresos por intereses netos de $ 1.27 mil millones. La cartera de préstamos del banco generó $ 1.16 mil millones en ingresos por intereses, con valores de inversión que contribuyen con $ 110 millones adicionales.

Fuente de ingresos	Cantidad (2023)
Ingresos por intereses netos totales	$ 1.27 mil millones
Ingresos por intereses de préstamo	$ 1.16 mil millones
Intereses de valores de inversión	$ 110 millones

Servicios basados ​​en tarifas

Valley National Bancorp generó $ 213 millones en ingresos sin intereses de servicios basados ​​en tarifas en 2023.

• Cargos de servicio en cuentas de depósito: $ 87 millones
• Tarifas de la tarjeta de crédito: $ 42 millones
• Cajeros automáticos y tarifas bancarias electrónicas: $ 38 millones
• Otras tarifas misceláneas: $ 46 millones

Tarifas de banca comercial y minorista

Los ingresos de la tarifa de banca comercial totalizaron $ 95 millones en 2023, con segmentos de ingresos clave que incluyen:

Categorías de tarifas de banca comercial	Ingresos (2023)
Servicios de gestión del tesoro	$ 45 millones
Tarifas de originación de préstamos comerciales	$ 35 millones
Servicios de asesoramiento corporativo	$ 15 millones

Ingresos de productos hipotecarios y de préstamos

Los ingresos relacionados con la hipoteca para Valley National Bancorp en 2023 ascendieron a $ 67 millones.

• Tarifas de origen de hipoteca residencial: $ 42 millones
• Tarifas de servicios hipotecarios: $ 25 millones

Servicios de inversión y gestión de patrimonio

Los servicios de inversión generaron $ 58 millones en ingresos durante 2023.

Flujos de ingresos de servicios de inversión	Cantidad (2023)
Tarifas de gestión de activos	$ 35 millones
Servicios de asesoramiento financiero	$ 23 millones

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.