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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Provident Bank

Jersey City, New Jersey · $25.65B in assets · beside the 11 other the Mid-Atlantic banks over $10B (the state alone holds too few in the band to rank)

The filing

12.6%
Equity / assets
1st of 11
58.7%
CRE / loans
12th of 12
102.2%
Loans / deposits
11th of 12

Provident Bank is the fifth largest of the 12 the Mid-Atlantic banks nearest its size over $10B, with $25.65B in assets at 30 June 2026. Loans are 102.2% of deposits, 11th of 12 against a median of 86.4%, and equity is 12.6% of assets, the highest in the cohort. Loans grew +4.9% in the year, 7th of 12, and deposits grew 4.5%; the cohort's median loan growth is +5.8%.

Noncurrent loans are 0.55% of the book, 7th of 12 against a median of 0.53%; 0.11% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 58.7% of loans, the highest in the cohort against a median of 25.3%, and 422% of capital, above the 300% screen, with construction at 26% against the 100% screen. CRE has grown +76.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.34%, 2nd of 11 against a median of 1.16%, on an efficiency ratio of 49.3%, 3rd of 11. Five years ago it was 1.42%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 14.5% of loans).

Commercial real estate, share of loansMid-Atlantic banks over $10B · 30 June 2026 · lower is stronger, listed first
median 25.3% SB State Bank of India 0.0% TB TD Bank USA National Association 0.8% BM BNY Mellon National Association 4.2% NB Northwest Bank 14.8% TC Tristate Capital Bank 16.8% CB Community Bank National Association 25.2% CB Customers Bank 25.3% FB Fulton Bank National Association 26.8% WS Wilmington Savings Fund Society 40.7% AB Apple Bank 49.4% OB Oceanfirst Bank N.A. 53.0% PB Provident Bank 58.7%
Loans, year over yearMid-Atlantic banks over $10B · 30 June 2026 · no better direction, largest first
median +5.8% OB Oceanfirst Bank N.A. +59.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% CB Community Bank National Association +7.3% AB Apple Bank +6.6% PB Provident Bank +4.9% WS Wilmington Savings Fund Society +2.7% FB Fulton Bank National Association +1.5% BM BNY Mellon National Association -1.2% SB State Bank of India -1.4% TB TD Bank USA National Association -1.9%

SBA 7(a), FY2008 to FY2026

Provident Bank is the 4th largest 7(a) lender into New Jersey of 308, with $570M across 827 loans, 4.3% of everything approved in the state (TD Bank, National Association leads with $1.08B). 25 of its 59 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Ocean, NJ$74M2nd of 1199.0%+3.5 pts
Monmouth, NJ$64M3rd of 1605.9%+2.4 pts
Bergen, NJ$61M7th of 1613.4%-1.5 pts
Morris, NJ$49M2nd of 1265.7%-2.2 pts
Middlesex, NJ$47M5th of 1503.7%+1.7 pts
Hudson, NJ$35M2nd of 1235.7%-3.3 pts
Union, NJ$33M5th of 1403.9%-2.0 pts
Essex, NJ$32M6th of 1383.5%+1.3 pts
New York, NY$28M22nd of 2081.0%+1.0 pts
Mercer, NJ$28M4th of 1195.1%-1.1 pts
Somerset, NJ$27M3rd of 1174.8%-1.9 pts
Nassau, NY$25M17th of 1711.5%-2.1 pts
Sussex, NJ$23M1st of 6513.8%-6.4 pts
46 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade317$220M27.9%0.36%54th of 2,589
Accommodation & food services166$125M15.8%0.16%121st of 2,596
Health care & social assistance134$96M12.2%0.20%76th of 2,172
Other services177$82M10.4%0.23%80th of 2,248
Manufacturing54$59M7.5%0.15%121st of 2,246
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Provident Bank
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Provident BankRankCohort median
Total CRE against capital, the 300% screen422%10th of 11184%
Construction against capital, the 100% screen26%9th of 1111%
Construction and land development, share of loans3.6%9th of 121.1%
Non-owner-occupied nonfarm nonresidential, share of loans36.1%11th of 1113.6%
Total CRE, the guidance definition, share of loans58.7%12th of 1225.3%
CRE growth over 36 months, the third prong+76.7%11th of 11+14.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
TD Bank USA National Association$32.13B0.4%70.3%2.08%5.50%9.9%32.1%11.9%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Provident Bank$25.65B1.3%49.3%0.55%0.05%0.9%102.2%12.6%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Oceanfirst Bank N.A.$23.17B0.3%80.5%0.66%0.03%1.3%90.7%11.7%
Wilmington Savings Fund Society$22.57B1.6%56.8%0.57%0.05%1.3%69.9%11.7%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Provident BankCohort median
20212026Change20212026Change
Loans$9.54B$20.05B+110%$9.56B$15.22B+59%
Deposits$10.64B$19.61B+84%$12.71B$19.46B+53%
NPA / loans0.84%0.55%-0.28 pts0.62%0.53%-0.09 pts
Efficiency55.4%49.3%-6.1 pts59.5%58.0%-1.5 pts
ROA1.42%1.34%-0.08 pts1.17%1.16%-0.01 pts

This read was prepared for Provident Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Provident Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks over $10B
Institution www.provident.Bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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