Valley National Q2 net income $170.9M ($0.29 EPS), up 28% YoY; NIM expands to 3.20%

VALLEY NATIONAL BANCORP

Net income $170.9M ($0.29 diluted EPS) vs $133.2M ($0.22) in Q2 2025; adjusted EPS $0.30.
Net interest margin (tax-equivalent) 3.20%, up 19 bps YoY; net interest income $488.4M, up $54.7M YoY.
Loans grew $1.6B to $52.5B (12.9% annualized); deposits up $1.3B to $54.1B.
Non-accrual loans rose to $462.6M (0.88% of loans) from $432.6M (0.85%) at Q1; provision $29.2M.
Efficiency ratio improved to 52.11% from 55.20% a year ago; repurchased 1.5M shares at $13.40.

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