Provident Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Provident Bank of Jersey City, NJ against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.33% | 1.39% | -0.06% | 54th above |
| ROAE | 10.50% | 12.24% | -1.74% | 43rd below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.60% | 3.82% | -0.22% | 50th above |
| Efficiency Ratio | 45.10% | 54.31% | -9.21% | 79th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.96% | 2.04% | -0.08% | 62nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.71% | -0.14% | 65th above |
| Cost of Funds | 2.12% | 2.03% | +0.09% | 37th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.00% | 3.13% | -0.13% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 0.98% | -0.09% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.70% | 0.72% | -0.02% | 44th below |
| NCO / Avg Loans | 0.04% | 0.33% | -0.29% | 79th top |
| ACL / Total Loans | 0.92% | 1.39% | -0.47% | 20th bottom |
| ACL / NPLs (Coverage) | 104.04% | 236.28% | -132.24% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.73% | 8.89% | -2.16% | 48th below |
| Provision / NCO | 97.80% | 123.49% | -25.69% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.09% | 15.68% | -3.59% | 25th below |
| Tier 1 Ratio | 12.09% | 15.81% | -3.72% | 25th below |
| Total Capital Ratio | 12.99% | 16.93% | -3.94% | 16th bottom |
| Leverage Ratio | 10.53% | 10.50% | +0.03% | 57th above |
| Equity / Assets | 12.59% | 11.70% | +0.89% | 69th above |
| TCE / Tangible Assets | 9.91% | 9.72% | +0.19% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.24% | 84.45% | +17.79% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.63% | 86.60% | +2.03% | 39th below |
| Uninsured Deposit Ratio | 54.14% | 36.71% | +17.43% | 8th bottom |
| Wholesale Funding Ratio | 9.39% | 5.81% | +3.58% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.48% | 11.99% | -7.51% | 43rd below |
| Loan Growth (Y/Y) | 4.92% | 11.41% | -6.49% | 45th below |
| Deposit Growth (Y/Y) | 4.49% | 11.38% | -6.89% | 47th below |
See Provident Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Provident Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Provident Bank profile, how to read a UBPR, or how this data updates.