Valley National Bancorp (VLY): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico dos bancos modernos, o Valley National Bancorp (Vly) surge como uma potência estratégica, tecendo soluções digitais inovadoras com conexões comunitárias profundas. Ao criar meticulosamente um modelo de negócios que equilibra proezas tecnológicas e serviço personalizado, a Vly se posicionou como uma instituição financeira versátil que serve diversos segmentos de clientes em Nova Jersey e Flórida. Essa lona abrangente do modelo de negócios revela os intrincados mecanismos que impulsionam o sucesso do banco, revelando como as parcerias estratégicas, recursos robustos e abordagens centradas no cliente convergem para criar um ecossistema bancário atraente.

Valley National Bancorp (Vly) - Modelo de Negócios: Principais Parcerias

Alianças estratégicas com empresas locais e organizações comunitárias

O Valley National Bancorp mantém parcerias estratégicas com empresas locais em Nova Jersey e Flórida. A partir do quarto trimestre de 2023, o banco registrou 287 parcerias comunitárias em suas regiões operacionais.

Tipo de parceria	Número de parcerias	Cobertura geográfica
Redes de negócios locais	142	Nova Jersey, Flórida
Organizações de desenvolvimento comunitário	95	Multi-Estado
Grupos de suporte para pequenas empresas	50	Regional

Parcerias com empresas de fintech para soluções bancárias digitais

O Valley National Bancorp colabora com vários parceiros da FinTech para aprimorar os recursos bancários digitais.

• Integração da plataforma de pagamento digital
• Parcerias de tecnologia bancária móvel
• Provedores de solução de segurança cibernética

Foco da Parceria da Fintech	Parcerias ativas	Valor do investimento (2023)
Soluções de pagamento digital	7	US $ 4,2 milhões
Tecnologias bancárias móveis	5	US $ 3,7 milhões
Plataformas de segurança cibernética	3	US $ 2,5 milhões

Colaboração com empresas de seguros e investimentos

A Valley National Bancorp estabeleceu parcerias abrangentes com entidades de seguros e investimentos.

• Colaborações de serviços de gerenciamento de patrimônio
• Integrações de produtos de seguro
• Parcerias de planejamento de aposentadoria

Categoria de parceiro	Número de parceiros	Receita colaborativa (2023)
Provedores de seguros	12	US $ 18,6 milhões
Empresas de gerenciamento de investimentos	8	US $ 22,3 milhões
Serviços de planejamento de aposentadoria	6	US $ 15,4 milhões

Relacionamentos com provedores de serviços financeiros regionais e nacionais

O Valley National Bancorp mantém relações estratégicas com vários provedores de serviços financeiros em diferentes escalas operacionais.

Tipo de provedor	Número de parcerias	Valor total da parceria
Instituições Financeiras Regionais	23	US $ 45,7 milhões
Provedores de serviços financeiros nacionais	15	US $ 67,2 milhões
Parceiros de rede de pagamento	9	US $ 32,5 milhões

Valley National Bancorp (Vly) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Valley National Bancorp registrou ativos totais de US $ 68,3 bilhões. O banco opera 269 agências em vários estados, incluindo Nova Jersey, Nova York, Flórida e Alabama.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 31,2 bilhões
Contas bancárias de varejo	1,8 milhão de clientes
Contas bancárias de negócios	87.500 clientes comerciais

Origem e processamento de empréstimos

Em 2023, o Valley National Bancorp processou:

• Origenas do empréstimo hipotecário: US $ 4,6 bilhões
• Empréstimos imobiliários comerciais: US $ 22,8 bilhões
• Aprovações de empréstimos para pequenas empresas: 6.750 empréstimos

Desenvolvimento da plataforma bancária digital

Investimentos bancários digitais em 2023 incluíram:

Métrica da plataforma digital	2023 desempenho
Usuários bancários móveis	425,000
Transações bancárias online	52,3 milhões
Investimento de plataforma digital	US $ 47,2 milhões

Gerenciamento de riscos e conformidade

Métricas de conformidade e gerenciamento de riscos para 2023:

• Orçamento de conformidade regulatória: US $ 38,5 milhões
• Investimentos de prevenção de fraudes: US $ 22,7 milhões
• Equipe de conformidade: 276 funcionários

Gerenciamento de relacionamento com o cliente

Estatísticas de engajamento do cliente para 2023:

Métrica de CRM	Valor
Taxa de retenção de clientes	87.3%
Pontuação de satisfação do cliente	4.2/5
Interações totais do cliente	3,6 milhões

Valley National Bancorp (Vly) - Modelo de Negócios: Recursos Principais

Extensa rede de filiais

A partir do quarto trimestre 2023, o Valley National Bancorp opera 269 filiais em Nova Jersey e Flórida. Distribuição de ramificação Distribuição:

Estado	Número de ramificações
Nova Jersey	214
Flórida	55

Infraestrutura bancária digital

Métricas bancárias digitais:

• Usuários bancários móveis: 487.000
• Usuários ativos da plataforma bancária on -line: 612.000
• Volume de transação digital em 2023: 42,3 milhões

Recursos Humanos

Total de funcionários em 31 de dezembro de 2023: 3.187

Categoria de funcionários	Número
Gestão sênior	87
Profissionais financeiros	1,246
Equipe de apoio	1,854

Tecnologia e segurança cibernética

Investimento de tecnologia anual em 2023: US $ 87,4 milhões

Portfólio de produtos financeiros

• Produtos de empréstimos comerciais: 17
• Produtos bancários pessoais: 12
• Serviços de investimento: 6

Total de ativos em 31 de dezembro de 2023: US $ 82,6 bilhões

Valley National Bancorp (Vly) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para indivíduos e empresas

No quarto trimestre 2023, a Valley National Bancorp oferece soluções bancárias personalizadas com ativos totais de US $ 71,8 bilhões e depósitos totais de US $ 58,1 bilhões.

Segmento de clientes	Gama de produtos	Tamanho médio da conta
Bancos pessoais	Verificação, economia, hipoteca	$47,500
Banking de negócios	Empréstimos comerciais, gerenciamento de caixa	$285,000

Taxas de juros competitivas e produtos financeiros

A Valley National fornece taxas competitivas em vários produtos financeiros:

• Conta de poupança pessoal: 4,25% APY
• Verificação de negócios: 2,75% de taxa de juros
• CD de 12 meses: 5,10% APY
• Taxas de hipoteca: a partir de 6,75%

Experiências bancárias digitais e físicas convenientes

Canal	Número de locais	Usuários digitais
Ramos físicos	276	N / D
Usuários bancários digitais	N / D	487,000

Experiência no mercado local e foco da comunidade

A Valley National opera principalmente em Nova Jersey, Nova York e Flórida, com uma presença concentrada no mercado.

• Penetração de mercado em Nova Jersey: 22%
• Investimento comunitário: US $ 45,3 milhões em 2023
• Empréstimos para pequenas empresas emitidas: 1.247 no quarto trimestre 2023

Serviços de Consultoria Financeira Abrangente

Tipo de serviço	Receita anual	Base de clientes
Gestão de patrimônio	US $ 87,5 milhões	22.500 clientes
Aviso de investimento	US $ 63,2 milhões	15.700 clientes

Valley National Bancorp (Vly) - Modelo de Negócios: Relacionamentos ao Cliente

Atendimento ao cliente personalizado

A partir do quarto trimestre 2023, o Valley National Bancorp fornece serviço personalizado ao cliente por meio de:

• 147 Locais de filiais de serviço completo em Nova Jersey, Nova York, Flórida e Alabama
• Base total de clientes de aproximadamente 2,1 milhões de clientes

Canal de serviço	Métricas de interação do cliente
Interações com o cliente da filial	Média de 85.000 interações mensais pessoais
Suporte ao cliente digital	Mais de 350.000 interações mensais de serviço digital

Comunicação multicanal

O Valley National Bancorp oferece canais de comunicação abrangentes:

• Ramos físicos: 147 locais
• Plataforma bancária online: 1,2 milhão de usuários digitais ativos
• Aplicativo bancário móvel: 890.000 usuários móveis ativos
• Centro telefônico de suporte ao cliente 24/7

Programas de fidelidade e bancos de relacionamento

As estratégias de retenção de clientes incluem:

• Programa bancário de relacionamento cobrindo 65% da base de clientes existente
• Valor médio do relacionamento do cliente: US $ 47.300
• Taxa de retenção de clientes: 87,4%

Educação financeira e apoio consultivo

Serviço de consultoria	Engajamento anual
Workshops financeiros gratuitos	42 workshops anualmente
Recursos financeiros online	Mais de 250 materiais educacionais digitais
Aconselhamento financeiro individual	Aproximadamente 12.000 sessões por ano

Gerentes de relacionamento dedicados

Gerenciamento de relacionamento com clientes de negócios:

• 92 gerentes dedicados de relacionamento comercial
• Tamanho médio do portfólio: US $ 78 milhões por gerente
• Cobertura de 4.200 clientes bancários de negócios

Valley National Bancorp (Vly) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2023, a Valley National Bancorp opera 269 filiais de serviço completo em vários estados, principalmente em Nova Jersey, Nova York e Flórida. A distribuição de filiais é a seguinte:

Estado	Número de ramificações
Nova Jersey	132
Nova Iorque	87
Flórida	50

Plataforma bancária online

Recursos bancários digitais:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Declarações digitais
• Pedidos de empréstimo

Aplicativo bancário móvel

Estatísticas de aplicativos móveis a partir do quarto trimestre 2023:

• Total de usuários bancários móveis: 425.000
• Mobile App Download Count: 275.000
• Usuários ativos mensais médios: 310.000

Rede ATM

Tipo de atm	Contagem total
Caixas eletrônicos de propriedade de bancos	186
Caixas eletrônicos de rede compartilhada	45,000+

Centros de atendimento ao cliente

Canais de suporte ao cliente:

• Suporte por telefone 24/7
• Funcionários médios de call center: 275
• Volume anual de chamada: 2,1 milhões
• Tempo médio de resposta: 3,2 minutos

Valley National Bancorp (Vly) - Modelo de Negócios: Segmentos de Clientes

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, o Valley National Bancorp atendeu a aproximadamente 2,1 milhões de clientes de banco de varejo individuais em Nova Jersey, Nova York e Flórida.

Segmento de clientes	Contas totais	Saldo médio da conta
Verificação pessoal	587,000	$4,750
Economia pessoal	412,000	$12,300

Pequenas e médias empresas

A Valley National Bancorp suporta 68.500 clientes comerciais pequenos e médios, com empréstimos comerciais totais de US $ 12,4 bilhões em 31 de dezembro de 2023.

• Contas de corrente de negócios: 42.300
• Clientes de empréstimos comerciais: 16.200
• Tamanho médio de empréstimo comercial: US $ 765.000

Clientes corporativos e comerciais

O banco atende a 3.750 clientes corporativos e comerciais com empréstimos comerciais totais de US $ 24,6 bilhões em 2023.

Setor da indústria	Número de clientes	Portfólio total de empréstimos
Imobiliária	1,450	US $ 9,2 bilhões
Serviços profissionais	890	US $ 4,7 bilhões

Indivíduos de alta rede

O Valley National Bancorp gerencia a riqueza de 12.500 indivíduos de alta rede com ativos totais sob gestão de US $ 6,3 bilhões em 2023.

• Patrimônio líquido médio do cliente: US $ 3,2 milhões
• Contas de gestão de patrimônio: 8.700
• Clientes Banking Private: 3.800

Comunidade local e segmentos de mercado regionais

O banco opera 268 agências em Nova Jersey, Nova York e Flórida, servindo diversos mercados regionais com uma base total de depósitos de US $ 68,4 bilhões em 31 de dezembro de 2023.

Estado	Número de ramificações	Total de depósitos
Nova Jersey	142	US $ 38,6 bilhões
Nova Iorque	76	US $ 19,2 bilhões
Flórida	50	US $ 10,6 bilhões

Valley National Bancorp (Vly) - Modelo de Negócios: Estrutura de Custo

Salários e benefícios dos funcionários

Para o ano fiscal de 2023, o Valley National Bancorp registrou despesas totais de remuneração de US $ 511,4 milhões. A quebra dos custos relacionados aos funcionários é a seguinte:

Categoria de despesa	Valor ($)
Salários da base	348,950,000
Benefícios dos funcionários	112,450,000
Contribuições de pensão e aposentadoria	50,000,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura tecnológica da Valley National Bancorp em 2023 totalizaram US $ 87,3 milhões, com os seguintes componentes -chave:

• Manutenção de sistemas de TI: US $ 42.500.000
• Investimentos de segurança cibernética: US $ 22.800.000
• Atualizações da plataforma bancária digital: US $ 22.000.000

Despesas de operação de ramificação

Os custos operacionais relacionados à filial para 2023 totalizaram US $ 134,6 milhões:

Categoria de despesa	Valor ($)
Rent e arrendamento de despesas	58,200,000
Utilitários	24,600,000
Manutenção e reparos	51,800,000

Custos de conformidade regulatória

As despesas relacionadas à conformidade para o Valley National Bancorp em 2023 foram de US $ 63,2 milhões:

• Equipe legal e de conformidade: US $ 28.500.000
• Sistemas de relatórios regulatórios: US $ 19.700.000
• Auditoria e consultoria externa: US $ 15.000.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 45,7 milhões:

Canal de marketing	Valor ($)
Marketing digital	18,300,000
Publicidade tradicional da mídia	14,500,000
Campanhas de aquisição de clientes	12,900,000

Valley National Bancorp (Vly) - Modelo de Negócios: Fluxos de Receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, a Valley National Bancorp registrou receita de juros líquidos de US $ 1,27 bilhão. A carteira de empréstimos do banco gerou US $ 1,16 bilhão em receita de juros, com títulos de investimento contribuindo com US $ 110 milhões adicionais.

Fonte de receita	Valor (2023)
Receita total de juros líquidos	US $ 1,27 bilhão
Receita de juros do empréstimo	US $ 1,16 bilhão
Juros de títulos de investimento	US $ 110 milhões

Serviços baseados em taxas

A Valley National Bancorp gerou US $ 213 milhões em receita não de juros de serviços baseados em taxas em 2023.

• Encargos de serviço em contas de depósito: US $ 87 milhões
• Taxas de cartão de crédito: US $ 42 milhões
• Taxas bancárias eletrônicas e eletrônicas: US $ 38 milhões
• Outras taxas diversas: US $ 46 milhões

Taxas bancárias comerciais e de varejo

A receita da taxa bancária comercial totalizou US $ 95 milhões em 2023, com os principais segmentos de receita, incluindo:

Categorias de taxas bancárias comerciais	Receita (2023)
Serviços de Gerenciamento do Tesouro	US $ 45 milhões
Taxas de originação de empréstimos comerciais	US $ 35 milhões
Serviços de consultoria corporativa	US $ 15 milhões

Receita de produtos hipotecários e empréstimos

As receitas relacionadas a hipotecas para o Valley National Bancorp em 2023 totalizaram US $ 67 milhões.

• Taxas de originação de hipoteca residencial: US $ 42 milhões
• Taxas de manutenção de hipotecas: US $ 25 milhões

Serviços de investimento e gerenciamento de patrimônio

Os serviços de investimento geraram US $ 58 milhões em receita durante 2023.

Fluxos de receita de serviços de investimento	Valor (2023)
Taxas de gerenciamento de ativos	US $ 35 milhões
Serviços de Consultoria Financeira	US $ 23 milhões

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.