{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-26-000036","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2026-07-23T11:05:35+00:00","discovered_at":"2026-07-23T11:10:00.285906+00:00","generated_at":"2026-07-23T11:10:08.081176+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Valley National Q2 net income $170.9M ($0.29 EPS), up 28% YoY; NIM expands to 3.20%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-26-000036","json":"https://secwatch.observer/filing/0000714310-26-000036.json","markdown":"https://secwatch.observer/filing/0000714310-26-000036.md","text":"https://secwatch.observer/filing/0000714310-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/0000714310-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/vly-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T11:10:08.081176+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"}