Jersey City, NJ · Cert 12010 · Provident Finl Services Inc.
SI · FDIC · 138 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.6% share · #21 of 151 inst. · $18.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.70% | 1.21% | 1.27% | 1.27% | 1.28% | 1.37% | 1.35% | +8 bps | |
| Return on Equity | 4.78% | 5.80% | 9.92% | 10.35% | 10.29% | 10.38% | 10.77% | 10.63% | +29 bps | |
| Net Interest Margin | 2.45% | 2.67% | 3.24% | 3.25% | 3.28% | 3.29% | 3.32% | 3.35% | +10 bps | |
| Efficiency Ratio | 59.87% | 59.28% | 49.01% | 47.97% | 46.89% | 46.51% | 46.26% | 45.74% | -222 bps | |
| Non-Interest Burden | 1.37% | 1.49% | 1.47% | 1.44% | 1.42% | 1.40% | 1.36% | 1.35% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 70.62% | 69.06% | 71.72% | 2.07% | 3.39% | 3.88% | 3.84% | 4.48% | +241 bps | |
| Loan Growth (YoY) | 76.24% | 73.09% | 74.69% | 1.85% | 2.66% | 3.70% | 3.77% | 4.92% | +306 bps | |
| Deposit Growth (YoY) | 81.33% | 80.65% | 82.47% | 1.73% | 3.72% | 3.47% | 3.43% | 4.49% | +276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.38% | 0.54% | 0.53% | 0.49% | 0.37% | 0.70% | 0.68% | +15 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.08% | 0.04% | 0.03% | 0.06% | 0.07% | 0.06% | 0.05% | +2 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.01% | 0.98% | 0.97% | 0.95% | 0.90% | 0.92% | -6 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.7x | 1.9x | 1.8x | 2.0x | 2.5x | 1.3x | 1.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.72% | 9.98% | 10.12% | 10.27% | 10.38% | 10.49% | 10.53% | +41 bps | |
| Total Risk-Based Capital | 12.46% | 12.42% | 12.62% | 12.77% | 12.86% | 13.08% | 13.16% | 12.99% | +22 bps | |
| Equity / Assets | 12.30% | 12.01% | 12.30% | 12.39% | 12.50% | 12.69% | 12.71% | 12.59% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.81% | 100.79% | 102.28% | 101.83% | 100.77% | 101.02% | 102.61% | 102.24% | +42 bps | |
| Liquid Assets / Assets | 1.55% | 1.60% | 1.60% | 1.51% | 1.80% | 1.42% | 1.31% | 1.26% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 577% | 569% | 565% | n/a | n/a | |