VALLEY SAVINGS BANK

PASSAIC, NJ · Supervised by OTS

Est. 1927FDIC #9,396

Satisfactory

Current rating · Exam: September 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.06%

Is this bank safe?

VALLEY SAVINGS BANK holds a Satisfactory CRA rating (1991), and is financially strong (ROA +1.06%).

Institution Profile

FDIC BankFind

Website

www.valley.com

Address

615 Main Ave, PASSAIC, NJ

County

Passaic County

Established

January 1, 1927

Total Assets

$64.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 27, 1991

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 34 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$64.4B

Total Deposits

$53.0B

Net Loans

$50.3B

Net Income

$170M

ROA

1.06%

Above avg for Regional banks. Peer avg: 0.88%

ROE

8.28%

Risk-Based Capital

13.49%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.06%Peer avg: 0.88%▲ Above avg

Risk-Based Capital13.49%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate9.18%Peer avg: 18.70%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

233

Branch Deposits

$50.8B

1-Year Change

5-year net change: -5 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	98	72.45%	9.18%
2022	121	62.81%	9.92%
2021	110	72.73%	5.45%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 18.70% · above-average shown in red

This is the only examination on record for this bank.

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