New Valley Bank&Trust
Springfield, Massachusetts · FDIC Cert #59143
This is the FDIC profile for New Valley Bank&Trust, an FDIC-insured bank (Certificate #59143) with $341M in total assets and $288M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
New Valley Bank&Trust files quarterly Call Reports with the FDIC under Certificate #59143. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 10 points below the Massachusetts state average of 75 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 1591 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, New Valley Bank&Trust is 15 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #59143 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.