Provident Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.11 percentage points lower than in Q1 2026, at 88.63%. Provident Bank ranks 13th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 102.24% (Q2 2026). Provident Bank reported 102.24% on loan-to-deposit ratio for Q2 2026, 15.41 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $228.3M |
| Cash and noninterest-bearing balances to assets | 0.89% |
| Cash and securities | $3.80B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $85.0M |
| Other borrowed money | $2.32B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.24% |
| Net loans and leases to deposits | 101.30% |
| Loans and leases to core deposits | 107.51% |
| Core deposits to total deposits | 88.63% |
| Brokered deposits to total deposits | 6.47% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 104.75% | 96.19% | $80.0M | $2.02B |
| Q4 2023 | 105.19% | 96.30% | $72.2M | $1.96B |
| Q1 2024 | 106.83% | 97.06% | $89.2M | $2.03B |
| Q2 2024 | 101.70% | 95.03% | $108.3M | $2.27B |
| Q3 2024 | 101.81% | 94.61% | $108.0M | $2.18B |
| Q4 2024 | 100.79% | 94.47% | $113.2M | $1.97B |
| Q1 2025 | 102.28% | 94.12% | $114.1M | $2.28B |
| Q2 2025 | 101.83% | 91.49% | $98.5M | $2.28B |
| Q3 2025 | 100.77% | 91.19% | $102.1M | $2.11B |
| Q4 2025 | 101.02% | 91.23% | $95.0M | $2.02B |
| Q1 2026 | 102.61% | 91.74% | $95.1M | $2.39B |
| Q2 2026 | 102.24% | 88.63% | $85.0M | $2.32B |
Provident Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Bank, freeSource: Call Report Schedules RC and RC-M, 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)