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

Adequate

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%

ROE

8.28%

Risk-Based Capital

13.49%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

233

Branch Deposits

$50.8B

1-Year Change

5-year net change: -5 branches

This is the only examination on record for this bank.

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