Provident Bank
Jersey City, NJ
IDRSSD: 204004
Total Assets
$24.84B
Latest filing
Total Deposits
$19.15B
Latest filing
Net Interest Margin
3.59%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 02/28/1839 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 07302 |
| State and County Number | 34017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 1,817 |
| Domestic Offices | 145 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/16/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.provident.Bank |
| Data Updated | 11/14/2025 |
| CERT | 12010 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $24.84B |
| Total Deposits | $19.15B |
| Total Liabilities | $21.73B |
| Total Equity Capital | $3.11B |
| Net Income | $78.07M |
| Net Loans and Leases | $19.11B |
| Assets Per Employee ($Millions) | $13.5M |
| Bank Premises and Fixed Assets | $168.07M |
| Cash and Balances due from Depository Institutions | $303.29M |
| Deposits Held in Domestic Offices | $19.15B |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 10.16% |
| Net Interest Margin | 3.59% |
| Efficiency Ratio | 44.84% |
| Tier 1 Risk-Based Capital Ratio | 11.904% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.504% |
| Earning Assets to total Assets | 91.92% |
Income and Expense
| Total Interest Income | $326.25M |
| Total Noninterest Income | $27.16M |
| Total Interest Expense | $123.40M |
| Total Noninterest Expense | $112.63M |
| Net Interest Income | $202.85M |
| Pre-tax Net Operating Income | $110.33M |
| Provision for Credit Losses | $7.04M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.02M |
| Other borrowed funds | $2.11B |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $102.14M |
| All Other Liabilities | $257.93M |
| Total Liabilities and Capital | $24.84B |
Securities
| Securities | $3.45B |
| Available-for-sale debt securities | $3.14B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $292.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $111.62M |
| Trading Liabilities | $114.24M |
Frequently Asked Questions
What are the total assets of Provident Bank?
$24.84B as of the latest filing.
How much are Provident Bank's total deposits?
$19.15B in total deposits.
Where is Provident Bank located?
Jersey City, NJ.
What is the Net Interest Margin?
3.59%.
How many domestic offices does it operate?
145.
When was it established?
02/28/1839.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$19.11B (latest filing).
What is the total interest income (latest filing)?
$326.25M.