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Provident Bank
Jersey City, NJ·FDIC Cert #12010·Charter: STATE·Est. 18390228.0·HC: PROVIDENT FINL SERVICES INC
Total Assets
$24.9B
Q4 2025
Return on Assets
1.28%
+0.02%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.51%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.28%+0.02
ROE
10.38%+0.10
Efficiency
46.51%-0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.38%-0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.06%+0.27
Charge-offs
0.07%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.3 | 0.6 | 0.7 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 7.9 | 2.5 | 4.8 | 5.8 | 9.9 | 10.3 | 10.3 | 10.4 |
| Efficiency | 61.2 | 62.6 | 59.9 | 59.3 | 49.0 | 48.0 | 46.9 | 46.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 105.8 | 100.7 | 100.8 | 99.8 | 101.2 | 100.8 | 99.8 | 100.1 |
Balance Sheet
Total Assets$24.9B
Total Deposits$19.3B
Total Loans$19.3B
Total Equity$3.2B
Profitability
ROA1.28%
ROE10.38%
Efficiency Ratio46.51%
Net Income$315.0M
Risk & Asset Quality
NPL Ratio0.38%
Charge-off Rate0.07%
Loan/Deposit100.06%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans