BlastPoint's Banking Scorecard

Provident Bank

$10B-$250B Specialty: Commercial NJ FDIC cert 12010

Jersey City, NJ

139 branches across NJ · PA · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in NJ.
Deposits +4.5% year over year ($19.6B on the books).
Delinquency rate 0.56%.
Return on assets 1.35%.
Efficiency ratio 45.74% vs a 53.67% peer average.
Loan-to-deposit ratio 101.30% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in NJ

View $10B-$250B leaderboard (NJ) →

Provident Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 7.93% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.6% in tier
- Credit Quality Pressure: Bottom 20.9% in tier
- Loan-to-Deposit Ratio 18.69% above tier average
- Net Interest Margin 0.35% below tier average

Get updates when Provident Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$25.7B +4.5% YoY +1.8% QoQ	-$18.0B	$43.6B -13.8% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$19.9B +5.0% YoY +2.0% QoQ	-$8.1B	$28.0B -8.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$19.6B +4.5% YoY +2.4% QoQ	-$15.8B	$35.4B -14.0% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	48%
Return on Assets ?	1.35% +6.4% YoY -1.5% QoQ	-0.04%	1.39% +25.9% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	3.57% +2.1% YoY +1.4% QoQ	-0.35%	3.92% +8.9% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	45.74% -4.6% YoY -1.1% QoQ	-7.93%	53.67% -1.9% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.56% +3.8% YoY -20.7% QoQ	-0.45%	1.01% -2.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	101.30% +0.5% YoY -0.4% QoQ	+18.69%	82.61% +3.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ?	20.07% +0.1% YoY +0.6% QoQ	-0.51%	20.58% +4.9% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	0.44% +4.2% YoY -21.1% QoQ	-0.29%	0.73% +5.8% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	12.10% +2.4% YoY -1.4% QoQ	-3.25%	15.35% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.25% +13.4% YoY +98.4% QoQ	-0.25%	0.50% +10.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	20.1% 0.0pp YoY +0.1pp QoQ	-1.0pp	21.0%	16.6%	22.2%	36%
Brokered Deposits	6.5% +2.4pp YoY +3.1pp QoQ	-2.7pp	9.2%	10.1%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	10.3% +0.2pp YoY -0.2pp QoQ	-6.9pp	17.2%	6.5%	12.5%	25%
CRE	73.9% -0.6pp YoY -0.4pp QoQ	+31.8pp	42.0%	56.3%	41.4%	97%
1-4 Family	13.6% -1.2pp YoY -0.4pp QoQ	-9.5pp	23.1%	39.4%	31.3%	26%
Consumer	1.3% +1.2pp YoY +1.2pp QoQ	-11.6pp	12.9%	4.3%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	12.1% +0.3pp YoY -0.2pp QoQ	-3.2pp	15.3%	18.8%	19.7%	26%
Leverage Ratio	10.5% +0.4pp YoY 0.0pp QoQ	+0.1pp	10.4%	13.4%	12.6%	60%
Total Capital Ratio	13.0% +0.2pp YoY -0.2pp QoQ	-3.5pp	16.5%	19.8%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	1,842 +25 (+1.4%) YoY -18 (-1.0%) QoQ	-1,416	3,258	336	482	44%
Assets per Employee ($)	$13.9M +3.1% YoY +2.8% QoQ	-$13.1M	$27.0M	$11.2M	$8.8M	59%
Branch Count	139 -4 (-2.8%) YoY -4 (-2.8%) QoQ	+1	137	20	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	0.6% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.7%	0.8%	1.0%	46%
Allowance Coverage	1.66x -9.8% YoY +29.1% QoQ	-1.15x	2.81x	6.57x	20.23x	46%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	10.6% +0.3pp YoY -0.1pp QoQ	-2.0pp	12.6%	6.4%	11.6%	47%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	0.0pp	2.0%	1.9%	1.7%	58%
Net Income ($, YTD)	$170.1M +10.7% YoY — QoQ	-$126.7M	$296.8M	$19.8M	$40.4M	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#9 of 59 • Bottom 13.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#15 of 67 • Bottom 20.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.56%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 45.74%

Peer Median: 53.67%

#26 of 139 Top 18.0% in $10B-$250B

Top Weaknesses (1 metrics)

131

Loan-to-Deposit Ratio

liquidity

Value: 101.30%

Peer Median: 82.61%

#131 of 139 Bottom 6.5% in $10B-$250B