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New Valley Bank & Trust
Springfield, MA · FDIC Certificate #59143 · Chartered 05/3
Total assets
$384.97M
Total deposits
$321.39M
Total equity
$27.38M
Net loans
$248.09M
Branches (offices)
3
Net income (YTD)
$155.00K
Rank: #2,119 of 4,213 U.S. banks by assets · #76 of 89 in Massachusetts. Assets changed 13.1% and deposits 15.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.08% |
| Return on equity | 1.14% |
| Net interest margin (YTD) | 2.82% |
| Equity to assets | 7.11% |
| Tier 1 leverage ratio | 7.45% |
| Uninsured deposits (share of deposits) | 38.4% |
| Noncurrent loans (share of loans) | 2.34% |
| Net charge-offs (share of loans) | -0.17% |
| Loans to deposits | 77.2% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $191.68M | 77.3% | |
| Commercial & industrial | $61.57M | 24.8% | |
| Consumer / individual | $5.00K | 0.0% | |
| Construction & development | $8.89M | 3.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $279.85M | $254.29M | $100.00K | $24.88M |
| Jun 2023 | $313.88M | $256.41M | $245.00K | $27.34M |
| Jun 2024 | $341.31M | $287.90M | -$1.30M | $26.46M |
| Jun 2025 | $340.37M | $277.55M | -$751.00K | $25.88M |
| Jun 2026 | $384.97M | $321.39M | $155.00K | $27.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $321.39M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $321.39M.
Similar-sized banks
American Continental Bank ($385.26M) · Cattaraugus County Bank ($384.68M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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