{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-25-000092","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.078359+00:00","generated_at":"2026-05-23T07:30:56.330323+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Valley National Q1 net income $106.1M ($0.18 EPS); credit quality improves, NIM expands to 2.96%","bullets":["Net income $106.1M, diluted EPS $0.18 (flat YoY, down from $0.20 in Q4 2024).","Net interest margin (tax-equivalent) 2.96%, +4bps QoQ; net interest income $421.4M.","Provision for credit losses $62.7M vs $107.0M in Q4 2024; net charge-offs $41.9M (down from $98.3M).","Non-accrual loans fell to $346.5M (0.71% of total loans); accruing past-due loans halved to $51.7M.","Core deposits grew: non-interest bearing up $199.9M; brokered deposits down $726.5M to $6.3B."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-25-000092","json":"https://secwatch.observer/filing/0000714310-25-000092.json","markdown":"https://secwatch.observer/filing/0000714310-25-000092.md","text":"https://secwatch.observer/filing/0000714310-25-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000092/0000714310-25-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000092/vly-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:30:56.330323+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}