Provident Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.48% to 3.60%, the largest move among the key lines here. Provident Bank ranks 14th of 49 New Jersey banks on net interest margin, in the upper half at 3.60% (Q2 2026). At 3.60%, Provident Bank's net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $288.0M |
| Total interest expense | $115.5M |
| Interest expense on deposits | $91.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.90% | 1.74% | 2.99% |
| Q4 2023 | 5.05% | 1.91% | 2.96% |
| Q1 2024 | 4.97% | 1.98% | 2.86% |
| Q2 2024 | 5.60% | 2.04% | 3.31% |
| Q3 2024 | 5.82% | 2.07% | 3.48% |
| Q4 2024 | 5.65% | 1.99% | 3.46% |
| Q1 2025 | 5.49% | 2.22% | 3.43% |
| Q2 2025 | 5.56% | 2.30% | 3.45% |
| Q3 2025 | 5.72% | 2.34% | 3.57% |
| Q4 2025 | 5.62% | 2.25% | 3.56% |
| Q1 2026 | 5.41% | 2.10% | 3.48% |
| Q2 2026 | 5.57% | 2.12% | 3.60% |
Provident Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Bank, freeSource: Call Report Schedules RI and RC-K, 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)