Valley National Q2 net income $133.2M ($0.22 EPS) vs $106.1M Q1; NIM expands to 3.01%

VALLEY NATIONAL BANCORP

2025-Q2 EPS reported $0.40

Net income $133.2M ($0.22 diluted) vs $106.1M ($0.18) Q1 2025 and $70.4M ($0.13) Q2 2024; adjusted EPS $0.23.
NIM (tax-equiv) 3.01%, up 5 bps QoQ and 17 bps YoY; net interest income $433.7M.
Loans grew $734M (6% annualized) to $49.4B led by C&I (+$720M) and auto (+$138M); CRE down $289M.
Provision for credit losses $37.8M vs $62.7M Q1; net charge-offs $37.8M; ACL ratio 1.20%.
Accruing past due loans jumped to $199M (0.40%) from $52M (0.11%) due to three CRE loans; two cured in July 2025.

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