Provident Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 6.4% from Q1 2026 to Q2 2026, ending at -$91.9M against -$86.4M. It was the largest change among the key lines on this page. Provident Bank ranks 31st of 37 New Jersey banks on CET1 ratio, in the lower half at 12.09% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Provident Bank sits 0.87 points lower, at 12.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.99% |
| Tier 1 leverage ratio | 10.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.60B |
| Tier 1 capital | $2.60B |
| Total risk-based capital | $2.79B |
| Total equity capital | $3.23B |
| Risk-weighted assets | $21.48B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.59% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 12.72% |
| Internal capital growth rate | 3.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60.0M |
| Common stock surplus | $2.37B |
| Retained earnings | $928.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$91.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.13% | 11.13% | 11.98% | 9.71% | $11.96B |
| Q4 2023 | 11.12% | 11.12% | 11.95% | 9.69% | $12.08B |
| Q1 2024 | 11.50% | 11.50% | 12.36% | 9.90% | $11.89B |
| Q2 2024 | 10.81% | 10.81% | 11.72% | 9.36% | $20.71B |
| Q3 2024 | 11.51% | 11.51% | 12.46% | 9.70% | $19.81B |
| Q4 2024 | 11.45% | 11.45% | 12.42% | 9.72% | $19.80B |
| Q1 2025 | 11.63% | 11.63% | 12.62% | 9.98% | $20.12B |
| Q2 2025 | 11.81% | 11.81% | 12.77% | 10.12% | $20.31B |
| Q3 2025 | 11.90% | 11.90% | 12.86% | 10.27% | $20.61B |
| Q4 2025 | 12.15% | 12.15% | 13.08% | 10.38% | $20.62B |
| Q1 2026 | 12.26% | 12.26% | 13.16% | 10.49% | $20.84B |
| Q2 2026 | 12.09% | 12.09% | 12.99% | 10.53% | $21.48B |
Provident Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Provident Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12010) · FFIEC NIC profile (RSSD 204004)