# PROVIDENT BANK
JERSEY CITY, NJ · FDIC certificate 12010 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $25.65B | |
| Deposits | $19.61B | |
| Loans and leases | $20.05B | |
| Total equity | $3.23B | |
| Loans / deposits | 101.30% (p92 of band) | 85.78% |
| Liquid assets / assets | 14.81% (p11 of band) | |
| Uninsured deposits / deposits | 54.14% (p91 of band) | 38.39% |
| Brokered deposits | 4.95% | |
| Wholesale funding | 14.33% (p79 of band) | |
| FHLB advances / assets | 9.05% | |
| Tier 1 leverage | 10.53% (p60 of band) | 10.17% |
| Unrealized securities loss / equity | -4.84% (p67 of band) | -7.43% |
| AOCI / equity | -0.49% (p39 of band) | |
| ROA (annualized) | 1.35% (p59 of band) | 1.24% |
| Net interest margin | 3.57% (p50 of band) | 3.57% |
| Efficiency ratio | 45.74% (p23 of band) | |
| Noncurrent loans | 0.55% (p41 of band) | 0.66% |
| Net charge-offs (annualized) | 0.04% (p33 of band) | |
| Reserve coverage of noncurrent | 165.96% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 22.39% (p38 of band) | |
| Auto loans | $808,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $313.9M (10% of equity) (p54 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 1842 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | wholesale funding >15% |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | loans exceed deposits |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2019-12 | 4 |  | capital falling |
| 2020-03 | 3 |  | wholesale funding >15% |
| 2020-06 | 3 | capital falling | loans exceed deposits |
| 2020-09 | 4 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2020-12 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | capital falling | deposits shrinking |
| 2024-03 | 4 | uninsured deposits >50%, run vulnerability | capital falling |
| 2024-06 | 3 |  | wholesale funding >15% |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | loans exceed deposits |
| 2025-03 | 3 | loans exceed deposits |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | loans exceed deposits |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Freedom House gets 2026 Empowerment Grant from Provident Bank Foundation - ROI-NJ](https://news.google.com/rss/articles/CBMiywFBVV95cUxPY1FYLXpYUmt2X2dtOExFc2JQTEo2UVA0YnVoMGFSS2FKcFZfODJwZjdqWlBIWlFKdXVTcGstRkJybXBINmttMWEtclZZcmgtZ1hESVJ6Vmg3UjJjTkhqMjh0SWJtbFRmeDA0Z0l1cTQ5dGpKTFl6dnZPajQ0TUY2bFZwcmRPY09SNEQxNmZKSTB0NHpDZkJhcURNRkdnTTUtOFdzZGc1Qk1XSEhac0g5bjFEVWg0Sk91UFVjeGlEVHh1cW1VSVhYT1VxYw?oc=5) · ROI-NJ
- 2026-08-04 [Provident Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFB1ZDM4X3dSS1k5YWo4cnhRQjhNNzJaTlNvV1Q0bUdwaUE2MUJ0NDFkX3lMekNTelAyd3lZWmZzd1F2ZXQ3TTRRVnFnbGRVbE5oZDNzS3MtUkl1Y21PTGRjellWRHhzWjdnRzlucU5UZw?oc=5) · reveliolabs.com
- 2026-07-27 [Provident Bank Strengthens its Commitment to Local Communities with $50K in Grants - ABF Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxNNUxod3JPREVndDRGTVljelp2dDR5SFVodmZiSWNraDAxSVl5TmVBcDdYODY4N1NBZ2VtT1FaN1ExRVJlaXlMakJITGdmUlVpSmtNUmFoZ0dxeVFDSXhrVTU5bnlqMUpnTmtQb0g4cEtZRzE0elVuVUpYenl1LUJFZFRvSTNEMmI5T19ILUMtU1M0RXAxRGozUkVPSDQ4NW5ZYXNQbzdrT040WXlIVHc?oc=5) · ABF Journal
- 2026-08-04 [Provident Financial Services, Inc. and Provident Bank Appoint Michael E. Regan to the Boards of Directors - GlobeNewswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxQWUJIZlVnY29XRzUxT0Y4RHVjZ0hLR2hxYkdjQnZHcWZrNmVIRDBDemhZSlRVQWMzd3daTkxkY1lwU0hldDdEeXRwTE1NTkZRQ0NsLTlNMGIxMnFCNzRUdlJNU3Y0cGJSR1dJZ3h6ZGRadGw2SFJNdVMzY2pobms2SG5tOUpUVFBDWHUteGRJN2l1eFlNMUV4Tmk1b1EtSHBSMmhTRFppcl9td2JFZnJaTktZTWpLWkNKekJ2aUFHMmpPWDRzbF9IQnZ3LU5PWkxkdGVwY1Y3eG5fdjFrbzhsWTVBdEJBNDEzVmVqMmRRR0lXcVd6akhYRW1veTNmWkxNVFA3VQ?oc=5) · GlobeNewswire
- 2026-06-24 [Provident Bank names Duarte EVP and CFO, succeeding Lyons - ROI-NJ](https://news.google.com/rss/articles/CBMioAFBVV95cUxNNHhObXRMWGlINTRVS2FGVkRWUUh2azZFSlFON25tZzBlbU1iUlB0cHlKNWxKR0pKNXhaTzl0bU0yLTJxV1p5dUxxZXRKMktjN204d1ZBelVnVUpQQ3JKSFREcG1ibE9GX0V5T3JNY3ctX1ZQTEljRlJPaXEyZ0VsVXpEMWt1cVE5ZEt4QzJxVFlrZGk4aWxxNThIeVZodFdx?oc=5) · ROI-NJ
- 2026-06-23 [Provident Bank Appoints Adriano Duarte EVP and Chief Financial Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOZVBvWFhUb0ZKa2dGM3hham9XNVI3dTllWVp6THRaeHZYZDhrRFFtYzB0YUszaGFyZEg4aEgtMzNXamNyMHJWcFl4MkJaYTNrTFVqT0d5X2NBNFltMl9RYW1mZG9BUXkydzVLaFBnTS1TLVRzTGVmVzRxdGZpdmdxbUxsQi10ZFh1T29GMEZwVkxrVHNrR082bnBod3NzQ0tRSEpqTVdqREZoREhMdDZ4WFZpWE1Cd3U0U2lWR245ME85X0hFT2NkTWNvUlU5aGh6ZURlcTFueFVrZw?oc=5) · GlobeNewswire
- 2026-07-17 [Petrazzuoli Joins Provident Bank as Senior Vice President, Deposit & Payments Operations Director - ABF Journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxPOE9lMlRueHBrZG1EYnhtcHJmeXprZGktTVlKN2h5SGkybFc2YjNGVVRnTElpNFA5cWdUUXg0c3RwTndHV3FEYktaR2drM3BmUXVuQjllaU8tMWZ6NFp2Mmk5V1RENG9FUU1LeGh0Y3N4TVZoOEVxaUpQNHV0Q1dhOUIxa2wzcnl1S29jSGU3UU9YUmVwMDJERDQ4VzlzUEplZnNEczVZanN5RzJWdVVXTUZHZi1qRnRrb2VmdDEzbw?oc=5) · ABF Journal
- 2026-06-04 [Provident Bank names Vitelli EVP, chief wealth officer and president of Beacon Trust subsidiary - ROI-NJ](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNc05pMFNIV3V5NVI4eE80WVRyOENoUmt0eUp6NTZ3eUdzUTBhdV9oemJZbHVjZ2ZSNzhwd0I0MmVmZ29yVUs2X2xlUnFZeVdrM3VNdFcwdlphelg3VlU1bXRyWmtaOER1ckhXZlNDcDBndVFERmNjUHhFUXhJQTRtOWo3Mnc4WmxOT2N0Z1RZMmU2ZE1ScVlCLVVGZlBpdFpyYTkwSGlCUjRoTVd5TG1ab3B4Ujd3N1RCVDdFWU5jbk5hak9VLVRZeWxudmtNekdsd2dz?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12010 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "12010", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide