Provident Bank

Jersey City, NJ · Cert 12010 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Provident Finl Services Inc.

SI · FDIC · 138 branches

Q2 2026

$25.7BAssets

$20.1BLoans

$19.6BDeposits

$3.2BEquity

Executive Summary

Strongest standing: net interest margin outperforms 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 15).
Widest gap: total risk-based capital ratio trails 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 15).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.33%

Rank 2 of 15

Net Interest Margin

3.35%

Rank 1 of 15

Efficiency Ratio

49.33%

Rank 4 of 15

Equity / Assets

12.59%

Rank 4 of 15

Non-interest income vs. expense

Unfavorable gap of $343.1M · efficiency ratio beats 80% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.33%	0.74%	0.98%	1.14%	Beats 87%	2 / 15
Return on Equity	10.53%	5.21%	8.81%	10.53%	Beats 73%	4 / 15
Net Interest Margin	3.35%	1.76%	2.56%	3.09%	Beats 93%	1 / 15
Efficiency Ratio	49.33%	49.33%	55.36%	65.80%	Beats 80%	4 / 15
Asset Quality
Nonperforming Loans / Loans	0.68%	0.39%	0.66%	0.92%	Beats 40%	10 / 15
Net Charge-Offs / Loans	0.03%	0.01%	0.03%	0.10%	Beats 60%	7 / 15
Capital
Tier 1 Capital Ratio	12.09%	12.31%	14.32%	17.39%	Beats 7%	14 / 15
Total Risk-Based Capital Ratio	12.99%	13.34%	14.76%	19.29%	Beats 7%	14 / 15
Equity / Assets	12.59%	8.06%	10.22%	12.59%	Beats 73%	4 / 15
Liquidity & Funding
Loans / Deposits	102.24%	52.62%	85.61%	96.57%	93rd pctl	1 / 15
Loans / Assets	78.17%	32.81%	69.81%	78.17%	73rd pctl	4 / 15
Brokered Deposits / Deposits	n/a	Not reported for this institution