Provident Bank
Total assets
$25.65B
▲ +4.5% YoY
Deposits
$19.61B
▲ +4.5% YoY
Loans
$19.87B
▲ +5.0% YoY
Offices
139
PROVIDENT FINL SERVICES INC
ROA (annualized)
1.35%
peers 1.23%
ROE (annualized)
10.63%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Provident Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| Deposit growth (YoY) | +4.5% | +5.7% | -1.2 pts |
| Loan growth (YoY) | +5.0% | +6.9% | -2.0 pts |
| ROA | 1.35% | 1.23% | +0.1 pts |
| ROE | 10.6% | 11.2% | -0.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
Profile
- Established
- 1839
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PROVIDENT FINL SERVICES INC
- Specialization
- Commercial Lending Specialization
- Address
- 239 Washington St, Jersey City, NJ, 07302
- County
- Hudson
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 139
- FDIC cert #
- 12010
- RSSD ID
- 204004
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.65B | $19.61B | $19.87B | $3.23B | $170.1M | 1.35% | 3.57% | 0.44% |
| Q1 2026 | $25.19B | $19.15B | $19.48B | $3.20B | $85.7M | 1.37% | 3.52% | 0.55% |
| Q4 2025 | $24.95B | $19.32B | $19.33B | $3.17B | $315.0M | 1.28% | 3.55% | 0.30% |
| Q3 2025 | $24.84B | $19.15B | $19.11B | $3.11B | $231.7M | 1.27% | 3.53% | 0.39% |
| Q2 2025 | $24.55B | $18.77B | $18.92B | $3.04B | $153.6M | 1.27% | 3.50% | 0.42% |
| Q1 2025 | $24.26B | $18.52B | $18.75B | $2.98B | $72.8M | 1.21% | 3.47% | 0.45% |
| Q4 2024 | $24.02B | $18.67B | $18.63B | $2.88B | $139.7M | 0.70% | 3.43% | 0.34% |
| Q3 2024 | $24.02B | $18.47B | $18.61B | $2.96B | $82.1M | 0.57% | 3.34% | 0.42% |
Loan mix (Q2 2026): real estate $17.38B · commercial $2.04B · consumer $262.0M · securities $3.57B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Provident Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.23% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.3% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.55% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 54.9% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Provident Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Provident Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Provident Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Provident Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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