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The Lender Report built this page from public records. Provident Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Provident Bank itself. Each figure shows its source and date. Work at Provident Bank? You can claim this page for free.

Savings institution, Jersey City, NJ

Provident Bank

A savings institution based in Jersey City, NJ. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Savings institution
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$16.7B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
105
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
171
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$25.7B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.provident.bankFrom the FDIC record, November 9, 2026.
Address
239 Washington St, Jersey City, NJ 07302FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Provident Bank originated 105 multifamily loans in 2025, versus 50 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 1 opened, 6 closed, 0 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 110 under Preferred Lender authority, 18 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $2.1B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 2.8% to $7.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Multifamily balance rose 8.2% to $3.8B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 6.8% to $2.9B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 51.5% to $816.5M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
2024 Reported making 574 small business loans totaling $193.4M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 99 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Provident BankNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026New JerseySBA 7(a), Retail Trade$2.6M9.5%10 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors$2.5M9.5%10 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Child Care Services$2.1M8.5%11 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Beer, Wine, and Liquor Retailers$2M9%10 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Child Care Services$1.3M8.5%25 yrSBA FOIA
Sep 2026New JerseySBA 7(a), All Other Miscellaneous Fabricated Metal Product Manufacturing$910K8.75%25 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Limited-Service Restaurants$880K9.75%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Retail Bakeries$750K9.5%11 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Full-Service Restaurants$680K9.75%10 yrSBA FOIA
Mar 2026New JerseySBA 504, Construction$1.7M25 yrSBA FOIA
2025Essex County, NJRefinance, 50 to 99 units$20M6.43%3 yr52%HMDA 2025
2025Bergen County, NJRefinance, 5 to 24 units$900K6.75%10 yr60%HMDA 2025
2025Ulster County, NYRefinance, 5 to 24 units$2M6.58%5 yr64%HMDA 2025
2025Monmouth County, NJRefinance, 5 to 24 units$800K6.84%10 yr40%HMDA 2025
2025Hudson County, NJPurchase, 5 to 24 units$880K6.8%10 yr48%HMDA 2025
2025Passaic County, NJPurchase, 5 to 24 units$2.7M6.09%10 yr65%HMDA 2025
2025Passaic County, NJPurchase, 5 to 24 units$2M6.09%10 yr67%HMDA 2025
2025Northampton County, PAPurchase, 25 to 49 units$4.8M6.44%7 yr63%HMDA 2025
Nov 2025New JerseySBA 504, Health Care and Social Assistance$420K25 yrSBA FOIA
Sep 2025GeorgiaSBA 504, Transportation and Warehousing$3.2M25 yrSBA FOIA
Aug 2025PennsylvaniaSBA 504, Child Care Services$1.8M25 yrSBA FOIA
Aug 2025PennsylvaniaSBA 504, Child Care Services$1.8M25 yrSBA FOIA
Aug 2025New JerseySBA 504, Wholesale Trade$1.4M25 yrSBA FOIA
Jun 2025New JerseySBA 504, Accommodation and Food Services$900K25 yrSBA FOIA
Jun 2025New JerseySBA 504, Arts, Entertainment, and Recreation$2.7M25 yrSBA FOIA
131 SBA 7(a) loans since October 2023, net of cancelled$147MSBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 99 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Provident Bank as the lender, totaling $278M.
  • 45 of them were recorded in the latest 12 months of that window.
Recorded mortgages by property class
Property classMortgagesDollars
Mixed use29$110M
Other26$73.9M
Retail15$28.0M
Multifamily13$29.4M
Industrial9$18.5M
Office6$18.1M
Hotel1$500K
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Brooklyn44
Queens28
Manhattan15
Bronx12
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$3.81B19.0%+8.2%
Construction and land development$723M3.6%-11.0%
Owner-occupied CRE$2.90B14.5%+6.8%
Non-owner-occupied CRE$7.24B36.1%+2.8%
Farmland$311K0.0%Not reported
Commercial and industrial$2.04B10.2%+7.0%
Commercial total$16.7B
FDIC call report,

Reference only: $2.71B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$9.09B
Q4 2023$9.30B
Q1 2024$9.29B
Q2 2024$15.5B
Q3 2024$15.5B
Q4 2024$15.6B
Q1 2025$15.7B
Q2 2025$16.0B
Q3 2025$16.2B
Q4 2025$16.3B
Q1 2026$16.5B
Q2 2026$16.7B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units2025105$626M$2.71M$39MHMDA,
Multifamily, 5 or more units202450$274M$2.42MHMDA,
1-4 unit investor or business purpose202569$39.2M$385KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026131$147M$625K$5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202646$58.2MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 202640$96.5M$1.72M$9.4MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.

SBA loans by industry, 36 months
IndustryLoansDollars
Child Care Services13$14.4M
Beer, Wine, and Liquor Retailers13$14.1M
Full-Service Restaurants10$9.01M
Limited-Service Restaurants10$7.21M
Arts, Entertainment, and Recreation6$10.4M
SBA FOIA,

Other lenders in these fields: SBA lenders for child care businesses, SBA lenders for retail stores, SBA lenders for restaurants.

Programs on record: Federal Home Loan Bank member, New York district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Provident Bank reported making 574 small business loans totaling $193,356,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 180 of $100,000 or less, 131 over $100,000 up to $250,000, 263 over $250,000 up to $1 million.
  • 154 of them, totaling $34,461,000, went to businesses with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 39 loans, $17,985,000.
CountyLoansTotal
Bergen County, NJ80$26.4M
Morris County, NJ79$24.2M
Passaic County, NJ65$19.8M
Sussex County, NJ62$10.0M
Essex County, NJ49$19.0M
Middlesex County, NJ41$22.0M
Monmouth County, NJ26$8.35M
Ocean County, NJ22$6.78M
Hudson County, NJ17$7.75M
Mercer County, NJ16$4.17M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Provident Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $266,270,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $2,207,170,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less735$35.2M
Over $100,000 up to $250,000437$54.0M
Over $250,000 up to $1 million746$327M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less213$12.6M
Over $100,000 up to $250,000579$71.7M
Over $250,000 up to $1 million2,121$912M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
Over $100,000 up to $250,0001$57.0K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
New Jersey HQ13162609927
New York3264136
Pennsylvania5125134
Florida03020
Delaware00020
Connecticut00010
Georgia00001
Illinois00001
New Hampshire01000
South Carolina00001
Tennessee01000
Virginia00010
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Hudson County, NJ22$144M
Essex County, NJ17$96.0M
Union County, NJ13$72.5M
Passaic County, NJ12$26.2M
Bergen County, NJ10$27.0M
Kings County, NY8$30.8M
Bronx County, NY7$16.4M
New York County, NY6$35.6M
Philadelphia County, PA6$17.9M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
New York-Jersey City-White Plains, NY-NJ71$373M
Newark, NJ39$208M
Lakewood-New Brunswick, NJ11$66.3M
Allentown-Bethlehem-Easton, PA-NJ6$21.8M
Philadelphia, PA6$17.9M
Kiryas Joel-Poughkeepsie-Newburgh, NY5$10.1M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Provident Bank has 137 offices in 20 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 136 full service and 1 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Middlesex County, NJ220
Morris County, NJ160
Bergen County, NJ140
Hudson County, NJ111
Essex County, NJ110
Monmouth County, NJ110
Sussex County, NJ110
Passaic County, NJ90
Ocean County, NJ70
Somerset County, NJ60
Union County, NJ50
Mercer County, NJ30
Bucks County, PA20
Lehigh County, PA20
Hunterdon County, NJ10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$417M$163M to $1.07B across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital423.2%75.9% to 430.5% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital26.0%10.4% to 51.7% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits102.2%68.2% to 100.6% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$817M$112M to $2.24B across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 51.5% from a year earlier.FDIC call report,
Loans to assets78.2%60.0% to 83.7% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

  • Of 155 multifamily loans with a known channel in 2024 to 2025, 20 (12.9%) came through a third party. HMDA,

Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.

Preferred Lender authority
110 loans (84.0%)
SBA Express
18 loans
Approval to first disbursement
39 days, median of 109

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
OceanFirst Bank, National AssociationNJ$23.2B$11.7B
ConnectOne BankNJ$14.4B$9.88B
Columbia BankNJ$12.2B$5.41B
Valley National BankNJ$66.2B$38.8B
Bank of HawaiiHI$23.8B$5.16B
Rockland Trust CompanyMA$25.0B$12.3B
Cathay BankCA$24.6B$13.0B
Cross River BankNJ$8.53B$1.47B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.

Check this page

Against the regulator's own record

  1. Name and charter. Provident Bank, FDIC certificate 12010. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $25.7B in total assets and $16.7B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 395 recorded loans from HMDA and SBA files, through September 30, 2026: 105 HMDA multifamily 2025, 50 HMDA multifamily 2024, 69 HMDA 1-4 unit investor 2025, 131 SBA 7(a) in 36 months, 40 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Provident Bank]
  4. Phone and website. No phone number is on record. Website provident.bank, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 574 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 99 recorded mortgages in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
FDIC
FDIC certificate
12010
RSSD
204004
LEI
5493004NH61PL6YYNH25
The Lender Report ID
lr_000094
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
New York-Newark-Jersey City, NY-NJ-PA

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $25.7B in total assets as of June 30, 2026 (FDIC call report).
  • Held $16.7B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $7.2B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 2.8% from a year earlier (FDIC call report).
  • Held $3.8B of multifamily loans as of June 30, 2026, up 8.2% from a year earlier (FDIC call report).
  • Held $2.9B of owner-occupied commercial real estate loans as of June 30, 2026, up 6.8% from a year earlier (FDIC call report).
  • Originated 105 multifamily loans totaling $626.3M in 2025 (HMDA).
11 more sentences
  • Originated 50 multifamily loans totaling $273.6M in 2024 (HMDA).
  • Originated 69 1-4 unit investor or business-purpose loans totaling $39.2M in 2025 (HMDA).
  • Recorded 135 SBA 7(a) approvals totaling $150.3M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
  • Provided the first lien on 40 SBA 504 projects with $96.5M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Listed 139 offices in 3 states (FDIC).
  • Reported making 574 small business loans totaling $193.4M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Provident Financial Services Inc reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $2.1B of loans originated in fiscal 2026 (SEC filing).
  • Held 1,918 commercial and industrial loans that were $1 million or less when made, with a balance of $416.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 2,913 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $996M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $266.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 99 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $278.5M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, Provident Bank, https://lender.report/lender/provident-bank-nj/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at Provident Bank? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem