The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 63).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in New Jersey

Yes. Provident Bank is an FDIC-insured institution (FDIC certificate #12010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 54.1% of deposits ($10.6B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.00% (benchmark: 10%).

Check how much of your own balance is covered

Provident Bank lists 136 offices in 120 cities across 3 states. Most locations:

• Jersey City, NJ (5)
• Morristown, NJ (3)
• Newark, NJ (3)
• Allentown, PA (2)
• Bloomfield, NJ (2)
• Edison, NJ (2)
• Freehold, NJ (2)
• Iselin, NJ (2)
• Monroe Township, NJ (2)
• Newton, NJ (2)
• Toms River, NJ (2)
• Asbury Park, NJ (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 47 consumer complaints about PROVIDENT FINANCIAL SERVICES, INC. to the company (16 in the last 12 months). 100.0% received a timely response. That is 2.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Provident Bank reported 2,236 home-loan applications under HMDA (LEI 5493004NH61PL6YYNH25): 1,294 originated ($987,570,000 total), 615 denied, and 263 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Provident Bank

Former names

The Provident Institution for Savings in Jersey City; The Provident Bank; Provident Savings Bank

Type

SI

FDIC certificate #

12010

RSSD ID

204004

Primary regulator

FDIC

Holding company

Provident Finl Services Inc

Established

February 28, 1839

Headquarters

239 Washington St, Jersey City, NJ 07302

Website

www.provident.bank

Employees

1,842