BlastPoint's Banking Scorecard
Provident Bank
Mid-Market
Specialty: Commercial
NJ
FDIC cert 12010
Jersey City, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
Provident Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 48% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.9B
+3.9% YoY
+0.4% QoQ
|
+$14.5B |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$19.3B
+3.8% YoY
+1.2% QoQ
|
+$12.2B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$19.3B
+3.5% YoY
+0.9% QoQ
|
+$10.8B |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.28%
+84.7% YoY
+1.5% QoQ
|
+0.12% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.55%
+3.7% YoY
+0.6% QoQ
|
+0.16% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
46.51%
-21.5% YoY
-0.8% QoQ
|
-10.10% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.38%
-1.8% YoY
-24.0% QoQ
|
-0.31% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
100.06%
+0.3% YoY
+0.3% QoQ
|
+14.59% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.24%
-8.1% YoY
-2.0% QoQ
|
-1.40% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.30%
-10.9% YoY
-23.0% QoQ
|
-0.20% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.15%
+6.1% YoY
+2.1% QoQ
|
-1.40% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.43%
+8.0% YoY
+33.4% QoQ
|
-0.52% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#39 of 80 · Bottom 48% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.06%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Assets
Current: $24.9B · Tier avg: $10.5B
100
100th pctile
Total Loans
Current: $19.3B · Tier avg: $7.1B
96
96th pctile
Total Deposits
Current: $19.3B · Tier avg: $8.5B
83
83th pctile
Efficiency Ratio
Current: 46.51% · Tier avg: 56.60%
71
71th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.68%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
53
53th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.40%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 20.64%
35
35th pctile
Tier 1 Capital Ratio
Current: 12.15% · Tier avg: 13.55%
27
27th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.96%
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.06% · Tier avg: 85.47%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.06% · Tier avg: 85.47%
27
27th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.96%
35
35th pctile
Tier 1 Capital Ratio
Current: 12.15% · Tier avg: 13.55%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 20.64%
53
53th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.40%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.68%
83
83th pctile
Efficiency Ratio
Current: 46.51% · Tier avg: 56.60%
96
96th pctile
Total Deposits
Current: $19.3B · Tier avg: $8.5B
100
100th pctile
Total Loans
Current: $19.3B · Tier avg: $7.1B
100
100th pctile
Total Assets
Current: $24.9B · Tier avg: $10.5B