Valley National Bancorp (VLY) risk factors
Item 1A of every Valley National Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors37 risks4 new6 dropped15 reworded
Commercial real estate concentrations dropped from 60.7 percent to 58.3 percent of the loan portfolio.
Filed Feb 27, 2026 - FY2024 10-K risk factors39 risks
Valley National Bancorp faces significant asset quality risks due to a concentration of commercial real estate loans. The bank is exposed to funding cost pressures, deposit retention challenges, and potential regulatory and compliance costs from providing deposit services to the state-licensed cannabis industry. Operations are also vulnerable to interest rate volatility, macroeconomic conditions, and emerging risks associated with artificial intelligence adoption and data privacy regulations.
Filed Feb 28, 2025