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Provident Bank, The

Amesbury, MA · Cert 90141 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28)

FDIC · 7 branches

Q3 2025

$1.5BAssets
$1.3BLoans
$1.3BDeposits
$215.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 28).
  • Widest gap: nonperforming loans / loans trails 86% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 28).
  • Overall: at or above the peer median on 5 of 10 directional measures.

Return on Assets

0.75%

Rank 11 of 28

Net Interest Margin

3.44%

Rank 5 of 28

Efficiency Ratio

76.19%

Rank 18 of 28

Equity / Assets

14.47%

Rank 6 of 28

Non-interest income vs. expense

$6.9M$45.2MINCOMEEXPENSE
Unfavorable gap of $38.3M · efficiency ratio beats 39% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 76.19%Peer median 73.9%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.44%0.70%1.00%Beats 61%11 / 28
Return on Equity5.21%4.61%6.07%8.11%Beats 32%19 / 28
Net Interest Margin3.44%2.25%2.56%3.28%Beats 82%5 / 28
Efficiency Ratio76.19%60.44%73.86%76.72%Beats 39%18 / 28
Asset Quality
Nonperforming Loans / Loans2.71%0.21%0.50%0.77%Beats 14%25 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.10%Beats 61%12 / 28
Capital
Tier 1 Capital Ratio14.18%13.02%14.18%16.41%Beats 50%14 / 28
Total Risk-Based Capital Ratio14.18%13.94%14.88%17.05%Beats 32%19 / 28
Equity / Assets14.47%9.70%11.02%13.40%Beats 79%6 / 28
Liquidity & Funding
Loans / Deposits101.70%95.79%102.11%107.40%43rd pctl16 / 28
Loans / Assets85.24%77.96%80.54%85.11%79th pctl6 / 28
Brokered Deposits / Deposits12.00%n/a6.14%11.95%Beats 21%23 / 28n/a