Provident Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Provident Bank is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $25.7B in assets, including $20.1B in loans. Returns are notably above industry norms: 1.33% ROA, 10.50% ROE, and 3.60% NIM. Capital cushions are healthy: 12.09% CET1, 10.53% Tier 1 leverage. Asset quality is solid, 0.89% nonperforming loans and a 6.73% Texas Ratio. Provident runs a 139-branch network across multiple states.
As of June 30, 2026, Provident Bank reported a CET1 capital ratio of 12.09%, a return on assets of 1.33%, a nonperforming-loan ratio of 0.89%, a Texas ratio of 6.73%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 239 Washington St, Jersey City, NJ 07302
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 28, 1839
- Former names
- The Provident Bank (2000-2016); Provident Savings Bank (1970-2000)
- Offices
- 139 domestic
- Employees (FTE)
- 1,842
- Domestic deposits
- $19.61B
- Allowance for credit losses
- $184.7M
- Net charge-offs (YTD)
- $5.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12010
- Fed RSSD
- 204004
- SEC CIK
- 1178970 → filed by PROVIDENT FINANCIAL SERVICES, INC.
- Website
- http://www.provident.Bank →
- Parent Holding Company
- PROVIDENT FINANCIAL SERVICES, INC. (RSSD 3133637) · PFS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lista George | CEO | Pres/CEO Prov Protection Plus |
| Lyons Thomas M | CFO | SEVP and CFO |
| Martin Christopher P | CHR | Executive Chairman |
| Labozzetta Anthony J | PRES | President and CEO |
| Christy James A. | CRO | EVP, CRO of Provident Bank |
| Macdougall Bennett | GC | EVP, General Counsel, Sec |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Provident Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Provident Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Provident Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Provident Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 1.33% | 0.89% | 6.73% | 3.60% |
| Q1 2026 | 12.26% | 1.37% | 0.91% | 6.92% | 3.48% |
| Q4 2025 | 12.15% | 1.34% | 0.58% | 4.48% | 3.56% |
| Q3 2025 | 11.90% | 1.27% | 0.65% | 5.09% | 3.57% |
| Q2 2025 | 11.81% | 1.32% | 0.69% | 5.48% | 3.45% |
| Q1 2025 | 11.63% | 1.20% | 0.57% | 4.83% | 3.43% |
| Q4 2024 | 11.45% | 0.96% | 0.49% | 4.56% | 3.46% |
| Q3 2024 | 11.51% | 0.92% | 0.48% | 4.32% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 138 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Metropark Admin Office | Iselin , NJ | 08830 | $1.71B |
| Hampton Branch | Newton , NJ | 07860 | $424.8M |
| Montville Branch | Montville , NJ | 07045 | $294.0M |
| Wyckoff Branch | Wyckoff , NJ | 07481 | $280.3M |
| Little Falls Branch | Little Falls , NJ | 07424 | $272.2M |
| Teaneck Branch | Teaneck , NJ | 07666 | $269.5M |
| Hooper Avenue Branch | Toms River , NJ | 08753 | $265.8M |
| Wantage Branch | Sussex , NJ | 07461 | $260.5M |
| Wayne Office | Wayne , NJ | 07470 | $255.2M |
| Denville Branch | Denville , NJ | 07834 | $253.7M |
| Sparta Town Center Office | Sparta , NJ | 07871 | $251.8M |
| Highland Mills Branch Office | Highland Mills , NY | 10930 | $247.5M |
| Jackson Branch | Jackson , NJ | 08527 | $244.9M |
| Maywood Br | Maywood , NJ | 07607 | $236.8M |
| Greenville Branch | Jersey City , NJ | 07305 | $232.6M |
| Parsippany Branch | Parsippany , NJ | 07054 | $231.5M |
| Mendham Branch | Mendham , NJ | 07945 | $223.6M |
| Cranbury South Branch | Cranbury , NJ | 08512 | $223.4M |
| Astoria Branch | Astoria , NY | 11102 | $222.8M |
| Woodbridge | Woodbridge , NJ | 07095 | $217.9M |
| Edison Branch | Edison , NJ | 08837 | $217.5M |
| North Park Place Branch | Morristown , NJ | 07960 | $215.5M |
| Butler Branch | Butler , NJ | 07405 | $214.8M |
| Madison Branch | Madison , NJ | 07940 | $213.6M |
| Totowa Branch | Totowa , NJ | 07512 | $213.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 16, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2024 | Structure Change | Acquired Lakeland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2020 | Structure Change | Acquired SB One Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2014 | Structure Change | Acquired Team Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2007 | Structure Change | Acquired First Morris Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2004 | Structure Change | Acquired First Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 24, 2001 | Delisting | deregistration | SEC |
| January 28, 2000 | Delisting | deregistration | SEC |
| December 24, 1998 | Structure Change | Acquired Monarch Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 23, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 1995 | Structure Change | Acquired Carteret Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 17, 1991 | Structure Change | Acquired Mutual Aid Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 1991 | Structure Change | Acquired Suburban National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 26, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 1983 | Structure Change | Acquired Bloomfield Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1977 | Structure Change | Acquired The First National Bank of Dunellen Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 1977 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Provident Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 25, 2003, Federal Reserve: Civil Money Penalty $34,100: Provident Bank, Cincinnati, OH
- Period: Most recent institution action November 25, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.1% of deposits in NJ, rank 7 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,441 applications, 1,294 loans originated, $987.6M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Provident Bank
What are Provident Bank's total assets?
As of the Q2 2026 filing, Provident Bank reported total assets of $25.65 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Provident Bank headquartered?
Provident Bank is headquartered in Jersey City, NJ, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Provident Bank founded?
Provident Bank was established in 1839, per the FDIC institution directory.
Is Provident Bank FDIC-insured?
Yes. Provident Bank is an FDIC-insured commercial bank (FDIC Certificate #12010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Provident Bank?
Provident Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Provident Bank's CET1 capital ratio?
Provident Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does Provident Bank operate?
Provident Bank operates 139 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Provident Bank's Texas Ratio?
Provident Bank's Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Provident Bank previously called?
The charter now named Provident Bank has also operated as The Provident Bank (2000-2016), Provident Savings Bank (1970-2000), per FDIC structure-change records.
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