{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-25-000137","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.208342+00:00","generated_at":"2026-05-18T02:49:30.324105+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Valley National Q2 net income $133.2M ($0.22 EPS) vs $106.1M Q1; NIM expands to 3.01%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-25-000137","json":"https://secwatch.observer/filing/0000714310-25-000137.json","markdown":"https://secwatch.observer/filing/0000714310-25-000137.md","text":"https://secwatch.observer/filing/0000714310-25-000137.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000137/0000714310-25-000137-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000137/vly-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:49:30.324105+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"}