Valley National Bancorp(VLY) - 2025 Q3 - Earnings Call Presentation

3Q25 Earnings Presentation October 23, 2025 � Valley 2 3Q 2025 Financial Highlights | | | GAAP Reported | | | Non-GAAP Adjusted 1 | | | --- | --- | --- | --- | --- | --- | --- | | | 3Q25 | 2Q25 | 3Q24 | 3Q25 | 2Q25 | 3Q24 | | Net Income ($mm) | $163.4 | $133.2 | $97.9 | $164.1 | $134.4 | $96.8 | | Return on Average Assets Annualized | 1.04% | 0.86% | 0.63% | 1.04% | 0.87% | 0.62% | | Efficiency Ratio (Non-GAAP) | -- | -- | -- | 53.4% | 55.2% | 56.1% | | Diluted Earnings Per Share | $0.28 | $0.22 | $0.18 | $ ...