Bank · FDIC insured
Valley
A $66.2B bank, the 43rd largest of 4,207, headquartered in Passaic, NJ, with 228 branches in 6 states. Best rates: CDs 4.10% and savings 0.05% APY.
Valley Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#135 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Valley
- Headquarters
- 615 Main Ave, Passaic, NJ 07055
- FDIC certificate
- 9396 ↗
Branches
228 branches in 6 states
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New Jersey
126 branchesFlorida
42 branchesNew York
41 branchesAlabama
15 branchesCalifornia
3 branchesIllinois
1 branchWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.25% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.91% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.08% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $97 | $85 | — |
- CapitalLeverage ratio10.25%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$97Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Valley are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.