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Provident Bank
Jersey City, NJ · FDIC Certificate #12010 · Chartered 02/2
Total assets
$25.65B
Total deposits
$19.61B
Total equity
$3.23B
Net loans
$19.87B
Branches (offices)
138
Net income (YTD)
$170.07M
Rank: #84 of 4,213 U.S. banks by assets · #2 of 49 in New Jersey. Assets changed 4.5% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 10.63% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 12.59% |
| Tier 1 leverage ratio | 10.53% |
| Uninsured deposits (share of deposits) | 54.1% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 101.3% |
| Real estate loans (share of loans) | 87.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $17.38B | 87.5% | |
| Commercial & industrial | $2.04B | 10.3% | |
| Consumer / individual | $262.00M | 1.3% | |
| Construction & development | $723.37M | 3.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $13.71B | $10.92B | $83.87M | $1.53B |
| Jun 2023 | $14.02B | $10.31B | $74.14M | $1.60B |
| Jun 2024 | $24.05B | $18.45B | $26.36M | $2.88B |
| Jun 2025 | $24.55B | $18.77B | $153.62M | $3.04B |
| Jun 2026 | $25.65B | $19.61B | $170.07M | $3.23B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $18.68B | 130 |
| New York | $643.71M | 3 |
| Pennsylvania | $282.65M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $19.61B.
Similar-sized banks
First Interstate Bank ($25.79B) · Ameriprise Bank, FSB ($25.48B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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