VLY

• Net income for Q2 2026 was $170.9 million, or $0.29 per diluted share, up from $163.9 million ($0.28) in Q1 2026 and $133.2 million ($0.22) in Q2 2025.
• Adjusted net income (non-GAAP) was $172.8 million, or $0.30 per diluted share, for Q2 2026.
• Total deposits increased $1.3 billion to $54.1 billion, and total loans increased $1.6 billion to $52.5 billion at June 30, 2026.
• CEO Ira Robbins stated the company anticipates further financial improvement through the remainder of the year.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• All 11 director nominees were elected, with each receiving between approximately 432.3 million and 438.0 million votes 'For' and broker non-votes of 58,493,006 for each nominee.
• Shareholders approved, on an advisory basis, the compensation of named executive officers, with 428,491,622 votes 'For' and 8,976,268 'Against'.
• Shareholders ratified the appointment of KPMG LLP as the independent registered public accounting firm for fiscal year ending December 31, 2026, with 495,529,819 votes 'For'.
• The report was filed under Item 5.07 to disclose the results of these shareholder votes.

5.07 Submission of Matters to a Vote of Security Holders

• The Notes mature on June 1, 2036, and bear interest at 6.219% per annum until June 1, 2031, after which the rate resets quarterly to three-month term SOFR plus 243 basis points.
• Net proceeds from the offering were approximately $494.1 million, after underwriting discounts and estimated expenses.
• The Company intends to use the net proceeds to redeem its outstanding 3.00% Fixed-to-Floating Rate Subordinated Notes due 2031 in full, plus for general corporate purposes.
• The Notes are intended to qualify as Tier 2 capital for regulatory purposes and are unsecured, subordinated obligations of the Company.

1.01 Entry into a Material Definitive Agreement · 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · 8.01 Other Events · 9.01 Financial Statements and Exhibits

• The presentation provides updated financial and strategic information for investors, analysts, and other interested parties.
• Financial data in the presentation is as of March 31, 2026, including $64bn assets, $51bn gross loans, and $53bn deposits.
• The report is dated May 7, 2026, and was signed by Travis Lan, Senior Executive Vice President and Chief Financial Officer.
• The information is furnished, not filed, and is not incorporated by reference into any SEC filings unless expressly stated.

7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Net income for Q1 2026 was $163.9 million, or $0.28 per diluted common share, compared to $195.4 million ($0.33 per share) in Q4 2025 and $106.1 million ($0.18 per share) in Q1 2025.
• Adjusted net income (non-GAAP) was $168.9 million, or $0.29 per diluted share, for Q1 2026.
• Total deposits increased $676.5 million to $52.9 billion at March 31, 2026, while total loans increased $692.1 million to $50.8 billion.
• The company furnished a press release and presentation materials as exhibits to the 8-K.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• On February 24, 2026, Valley National Bancorp's Board approved a new stock repurchase program for up to 25 million shares of common stock.
• The repurchase program will expire on April 27, 2028 and may be suspended or discontinued at any time at Valley's discretion.
• Repurchases may be made through open market purchases or Rule 10b5-1 trading plans, subject to market conditions and other factors.
• The program does not obligate Valley to repurchase any specific number of shares.

8.01 Other Events · 9.01 Financial Statements and Exhibits

• Net income for Q4 2025 was $195.4 million, or $0.33 per diluted common share, up from $163.4 million ($0.28 per share) in Q3 2025 and $115.7 million ($0.20 per share) in Q4 2024.
• Total loans increased $863.9 million (7.0% annualized) to $50.1 billion, and total deposits grew $1.0 billion to $52.2 billion at December 31, 2025.
• Provision for credit losses on loans was $20.0 million in Q4 2025, compared to $19.2 million in Q3 2025 and $107.0 million in Q4 2024.
• CEO Ira Robbins said the company anticipates continued balance sheet growth and core profitability improvement in 2026.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Carlos Vazquez was appointed to the Board of Directors of Valley National Bancorp on January 27, 2026, to serve until the next annual meeting of shareholders.
• He previously served as Executive Vice President and CFO of Popular, Inc. from 2013 to 2024 and held various roles there from 1997 to 2014.
• Vazquez will participate in the company's non-employee director compensation program as described in the April 4, 2025 Proxy Statement.
• No arrangements or material interests requiring disclosure under Item 404(a) were reported in connection with his selection.

5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements