---
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"
generated_at: "2026-07-23T11:10:08.081176+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714310-26-000036
- JSON: https://secwatch.observer/filing/0000714310-26-000036.json
- Plain text: https://secwatch.observer/filing/0000714310-26-000036.txt

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