---
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"
generated_at: "2026-05-18T02:49:30.324105+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714310-25-000137
- JSON: https://secwatch.observer/filing/0000714310-25-000137.json
- Plain text: https://secwatch.observer/filing/0000714310-25-000137.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.