VALLEY NATIONAL BANCORP

VALLEY NATIONAL BANCORP

Valley National Bancorp (VLY) is a nationally chartered commercial bank operating under SIC 6021, offering a suite of deposit, lending, treasury, and wealth products to retail customers, middle-market companies, and municipal clients across multiple states; its balance sheet reflects commercial, industrial, and real estate lending complemented by cash management, mortgage, and investment advisory services. The firm leverages its regional banking platform to serve small businesses and consumer households while also supporting public finance obligations, illustrating how the national commercial bank model still depends on diversified core deposits and fee revenue. Material risks include interest-rate volatility compressing net interest margins, credit quality exposure amid economic cycles, compliance and cyber security obligations, and ongoing oversight by the OCC and Federal Reserve plus capital and liquidity mandates that govern national banks. Investors should note the latest reported Form 10-Q filed Nov 1999 as the most recent disclosure in the public record; CIK 714310 keeps a long reporting history, so consider viewing live SEC filings on Earnings Feed.