PROVIDENT BANK

JERSEY CITY, NJ | Regional | Est. Feb. 28, 1839, midnight | FDIC #12010 | RSSD #204004 | FDIC
Latest Report: 2025-12-31

PROVIDENT BANK is arn regional FDIC-insured commercial bank headquartered in JERSEY CITY, NJ, established in Feb. 28, 1839, midnight. As of 2025-12-31, the bank reported total assets of $24.9B and total deposits of $19.3B. Profitability stands at 1.34% ROA and 10.62% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 12.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 2.24%. FDIC Certificate #12010.

Assets

$24.9B

Deposits

$19.3B

Loans

$19.5B

Equity

$3.2B

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 10.62%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.67%
Cost of Funds 4.51%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.24%
NPA Ratio 0.30%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 12.15%
Tier 1 Capital 12.15%
Total Capital Ratio 13.08%
Leverage Ratio 10.38%
Loan-to-Deposit 101.02%

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