New Valley Bank & Trust: how it compares with its peers
Against 23 MA banks with half to twice its assets, New Valley Bank & Trust's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $7.8M peer median). Its weakest relative measure is return on assets (0.08% vs. 0.39%).
| Measure | New Valley Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.08% | 0.39% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.82% | 2.96% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 94.11% | 84.66% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $7.8M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.20% | 91.44% | Context |
What it means for lending operations
Its efficiency ratio of 94.11% is above the 84.66% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BankGloucester Gloucester, MA · $387M
- Winter Hill Bank, FSB Somerville, MA · $408M
- Charles River Bank Medway, MA · $336M
- The National Grand Bank of Marblehead Marblehead, MA · $445M
- North Brookfield Savings Bank North Brookfield, MA · $449M
- The Pittsfield Co-operative Bank Pittsfield, MA · $452M
Questions about New Valley Bank & Trust
How big is New Valley Bank & Trust?
New Valley Bank & Trust, established in 2019, is headquartered in Springfield, MA. It reported $385M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is New Valley Bank & Trust's return on assets?
0.08% annualized in Q2 2026, against a 0.39% median for 23 MA banks with half to twice its assets, ahead of 13% of them.
What is New Valley Bank & Trust's efficiency ratio?
94.11% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 84.66%, and lower is better.
Is New Valley Bank & Trust growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 15.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.