Valley National Bancorp Outlines Strategic Targets for Loan-to-Deposit Ratio and Efficiency
Valley National Bancorp (VLY) has announced key strategic financial targets, aiming for a 90% loan-to-deposit ratio and an efficiency ratio in the mid-40% range. A significant driver for these metrics will be the onboarding of Bluevine deposits, which is expected to occur around April 1. The bank reported substantial improvements in its risk profile as of September 30, 2026, noting that its Commercial Real Estate (CRE) concentration ratio has decreased by over 160 basis points from its peak in Q4 2023. Additionally, the Common Equity Tier 1 (CET1) capital ratio has strengthened to 10.7% of risk-weighted assets.