New Valley Bank&Trust
Springfield, Massachusetts · FDIC Cert #59143
New Valley Bank&Trust is an FDIC-insured bank (Certificate #59143) with $341M in total assets and $288M in total deposits as of the Q2 2024 Call Report. Headquartered in Springfield, Massachusetts, the bank maintains a Tier 1 capital ratio of 11.11% (Well-Capitalized) and a nonperforming loan ratio of 2.00%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
New Valley Bank&Trust (FDIC cert 59143) is a community bank — $341M in total assets, $288M in deposits, serving the Springfield, Massachusetts area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.11% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.00% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 27.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.70% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. New Valley Bank&Trust carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: New Valley Bank&Trust
- Total Assets
- $341M
- Total Deposits
- $288M
- Tier 1 Capital Ratio
- 11.11%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.00%
- Liquidity Ratio
- 27.05%
- Return on Assets
- -0.70%
- Headquarters
- Springfield, Massachusetts
- FDIC Certificate
- #59143
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, New Valley Bank&Trust holds a Tier 1 capital ratio of 11.11%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning New Valley Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
New Valley Bank&Trust shows strong financial health indicators. With $341M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How New Valley Bank&Trust Compares
New Valley Bank&Trust’s Health Score of 65 is 3 points below the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 11.11% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 2.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.70% is below the national ROA benchmark of ~1.1%. Among 1590 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, New Valley Bank&Trust is 5 points below the portfolio average of 70.
Frequently Asked Questions
New Valley Bank&Trust has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.11%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. New Valley Bank&Trust's Tier 1 capital ratio of 11.11% and nonperforming loan ratio of 2.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at New Valley Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #59143). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
New Valley Bank&Trust holds $341M in total assets and $288M in total deposits. It is headquartered in Springfield, Massachusetts (FDIC Certificate #59143).
New Valley Bank&Trust has a Tier 1 capital ratio of 11.11%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.00%, and the return on assets is -0.70%.
Yes. New Valley Bank&Trust is FDIC-insured (Certificate #59143). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
New Valley Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.