Provident Bank (FDIC #12010): Bank Stress & Real-Estate Credit Exposure

Provident Bank (FDIC Cert #12010): bank stress 54/100, moderate, STABLE over 7 days; parent PROVIDENT FINL SERVICES INC.

Provident Bank (#12010) lends in 20 counties across 3 states; Provident Bank (#12010) reaches 733 ZIP codes: New Jersey 14 counties, 434 ZIPs; New York 3 counties, 188 ZIPs; Pennsylvania 3 counties, 111 ZIPs.

Provident Bank (#12010) largest markets: Nassau County, NY (70 branches, 70 ZIPs) (#12010), Queens County, NY (68 branches, 68 ZIPs) (#12010), Bergen County, NJ (924 branches, 66 ZIPs) (#12010), Bucks County, PA (120 branches, 60 ZIPs) (#12010), Morris County, NJ (928 branches, 58 ZIPs) (#12010), Orange County, NY (52 branches, 52 ZIPs) (#12010).

Provident Bank (#12010) reports $25.65 billion in total assets; Provident Bank (#12010) equity $3.23 billion (12.6% of Provident Bank (#12010) assets); Provident Bank (#12010) domestic deposits $19.61 billion; Provident Bank (#12010) net income $170.1 million; Provident Bank (#12010) return on assets 1.35%; Provident Bank (#12010) return on equity 10.63%; Provident Bank (#12010) net interest income $413.1 million; Provident Bank (#12010) call report June 30, 2026.

Provident Bank (#12010) noncurrent real-estate loans 0.01% of its book; Provident Bank (#12010) multifamily 0.04%; Provident Bank (#12010) net charge-offs on real estate 0.55%; Provident Bank (#12010) multifamily charge-offs 0.01%; Provident Bank (#12010) residential charge-offs 0.83%.

Provident Bank (#12010) net interest margin 3.57% against an eight-quarter Provident Bank (#12010) average of 3.49% (Provident Bank (#12010) compression -0.08 points); Provident Bank (#12010) real-estate loans 1.1% of equity; Provident Bank (#12010) non-residential real estate 83.0% of equity; Provident Bank (#12010) rate-exposure score 40/100, Provident Bank (#12010) fixed-rate trap 40/100; Provident Bank (#12010) risk type credit driven; Provident Bank (#12010) rate regime rates elevated, Provident Bank (#12010) snapshot October 20, 2026.

Provident Bank (#12010) stress score moved from 52.2 on June 22, 2026 to 54.5 on October 20, 2026; Provident Bank (#12010) ranged 52.2 to 54.5 over 117 snapshots.

Provident Bank (#12010) alerts: 20 counties; top Provident Bank (#12010) alert scores: Allentown County, NJ 21 (low); Astoria County, NJ 21 (low); Easton County, NJ 21 (low); Flemington County, NJ 21 (low); Highland Mills County, NJ 21 (low).