Provident Bank
Jersey City, NJ
IDRSSD: 204004
Total Assets
$24.95B
Latest filing
Total Deposits
$19.32B
Latest filing
Net Interest Margin
3.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221272303JERSEY CITY, NJ
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Provident Bank
239 Washington St
Jersey City, NJ 07302
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/28/1839FDIC Certificate 7655
Branches (144)
Page 1 of 21| Name | Address | City / State |
|---|---|---|
| Provident Bank (Main) | 239 Washington St | Jersey City, NJ |
| BLOOMFIELD CENTER BRANCH | 11 Broad St | Bloomfield, NJ |
| SPARTA TOWN CENTER OFFICE | 7 Town Center Dr | Sparta, NJ |
| LAKELAND BANK BRANCH | 2717 Route 23 | Newfoundland, NJ |
| CONVENT STATION BRANCH | 250 Madison Ave | Morristown, NJ |
| ANDOVER BRANCH | 615 Us 206 | Newton, NJ |
| VERNON BRANCH | 529 Route 515 | Vernon, NJ |
| FRANKLIN BRANCH | 25 Route 23 | Franklin, NJ |
Showing 7 of 144
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 | 1,840 |
| 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 | 01/30/2026 |
| CERT | 12010 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $24.95B |
| Total Deposits | $19.32B |
| Total Liabilities | $21.78B |
| Total Equity Capital | $3.17B |
| Net Income | $83.29M |
| Net Loans and Leases | $19.33B |
| Assets Per Employee ($Millions) | $13.43M |
| Bank Premises and Fixed Assets | $171.14M |
| Cash and Balances due from Depository Institutions | $211.46M |
| Deposits Held in Domestic Offices | $19.32B |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 10.62% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 45.4% |
| Tier 1 Risk-Based Capital Ratio | 12.148% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.689% |
| Earning Assets to total Assets | 91.68% |
Income and Expense
| Total Interest Income | $324.81M |
| Total Noninterest Income | $27.52M |
| Total Interest Expense | $119.43M |
| Total Noninterest Expense | $114.30M |
| Net Interest Income | $205.38M |
| Pre-tax Net Operating Income | $119.81M |
| Provision for Credit Losses | $-1,213,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.02M |
| Other borrowed funds | $2.02B |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $95.01M |
| All Other Liabilities | $346.45M |
| Total Liabilities and Capital | $24.95B |
Securities
| Securities | $3.47B |
| Available-for-sale debt securities | $3.16B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $282.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Provident Bank?
$24.95B as of the latest filing.
How much are Provident Bank's total deposits?
$19.32B in total deposits.
Where is Provident Bank located?
Jersey City, NJ.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
145.
When was it established?
02/28/1839.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$19.33B (latest filing).
What is the total interest income (latest filing)?
$324.81M.