Provident Bank Mortgage Rates, Fees & Info

Jersey City, NJ

LEI: 5493004NH61PL6YYNH25

Tax ID: 22-1211130

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Provident Bank is a smaller bank specializing in Refi and Home Purchase loans. Provident Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Houston, Trenton, and Virginia Beach among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Provident Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Provident Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.33% 4/21/24
    30 Year Conventional Refi 6.20% 4/21/24
    30 Year Cash-out Refi 5.53% 4/21/24
    15 Year Conventional Purchase 5.54% 4/21/24
    15 Year Conventional Refi 5.77% 4/21/24
    15 Year Cash-out Refi 5.77% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Provident Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Provident Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    864

    Origination Dollar Volume (All Markets)

    $288,430,000

    Employee count

    1,002

    Awards

    Provident Bank 30 Year Conventional Loans silver Provident Bank 30 Year Conventional Loans gold Provident Bank 30 Year Conventional Loans gold
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 793 $233,475,000 $294,420 $1,569 4.21%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $19,835,000 $793,400 $3,857 4.70%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $15,710,000 $7,855,000 $0 4.29%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 18 $9,730,000 $540,556 $2,653 4.22%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $5,135,000 $5,135,000 $0 4.31%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 17 $3,495,000 $205,588 $1,534 4.20%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $420,000 $210,000 $3,256 4.06%
    READING, PA (FHA|USDA|VA) 2 $220,000 $110,000 $2,991 4.25%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $170,000 $85,000 $1,341 4.06%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.50%
    Provident Bank's top markets include New York, Philadelphia, Houston, Trenton, and Virginia Beach among others.

    Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Provident Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N C P D Federal Credit Union
    Similarity Rank: 55
    Bogota Savings Bank
    Similarity Rank: 63
    Union County Savings Bank
    Similarity Rank: 66
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 80
    Freehold Savings Bank
    Similarity Rank: 120
    The Atlantic Federal Credit Union
    Similarity Rank: 120
    Blue Foundry Bank
    Similarity Rank: 125
    Investors Home Mortgage-IHM
    Similarity Rank: 156
    GREATER ALLIANCE
    Similarity Rank: 231
    Nassau Educators Federal Credit Union
    Similarity Rank: 248

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 864 $288,430,000 $333,831 $1,640 4.23%

    For 2018, Provident Bank's most frequently originated type of loan was Conventional, with 864 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 339 $82,295,000 $242,758 $357 4.18%
    Home Purchase 250 $139,380,000 $557,520 $4,190 4.23%
    Home Improvement 116 $34,730,000 $299,397 $63 4.38%
    Other 89 $10,835,000 $121,742 $737 4.36%
    Cash Out Refi 70 $21,190,000 $302,714 $3,753 3.99%

    For 2018, Provident Bank's most frequently cited loan purpose was Refi, with 339 originations. The 2nd most popular reason was Home Purchase, with 250 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 261 $136,855,000 $524,349 $4,186 4.28%
    10 Year 157 $43,285,000 $275,701 $103 4.16%
    20 Year 136 $19,420,000 $142,794 $30 4.59%
    15 Year 135 $20,065,000 $148,630 $478 4.22%
    5 Year 92 $18,430,000 $200,326 $0 4.00%
    30 Year 81 $28,715,000 $354,506 $3,948 3.83%
    3 Year 2 $21,660,000 $10,830,000 $0 4.75%

    For 2018, Provident Bank's most frequently cited loan duration was Other, with 261 originations. The 2nd most popular length was 10 Year, with 157 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 764 $143,540,000 $187,880
    $1k-2k 16 $6,120,000 $382,500
    $5k+ 6 $2,740,000 $456,667
    $2k-3k 5 $2,875,000 $575,000
    $3k-4k 1 $185,000 $185,000
    $4k-5k 1 $145,000 $145,000

    Provident Bank's average total fees were $3,948, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 764 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 455 $162,785,000 $357,769
    3-4% 349 $74,325,000 $212,966
    5-6% 50 $50,240,000 $1,004,800
    6-7% 5 $285,000 $57,000
    2.5-3% 3 $705,000 $235,000
    7-8% 2 $90,000 $45,000

    During 2018, Provident Bank's average interest rate for loans was 3.83%, while their most frequently originated rate bucket for loans was 4-5%, with 455 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 324 $17,190,000 $53,056 $111 4.28%
    $200k-400k 227 $64,705,000 $285,044 $2,981 4.14%
    $100k-200k 190 $27,610,000 $145,316 $1,187 4.23%
    $400k-600k 67 $31,025,000 $463,060 $3,906 4.18%
    $1MM+ 33 $131,245,000 $3,977,121 $8,340 4.55%
    $600k-1MM 23 $16,655,000 $724,130 $6,817 4.05%

    2018 saw Provident Bank place emphasis on $100,000 or less loans with 324 originations, totaling $17,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 201 $41,665,000 $207,289 $1,775 4.18%
    $150k-250k 181 $40,165,000 $221,906 $1,865 4.24%
    $50k-75k 143 $15,825,000 $110,664 $916 4.11%
    $75k-100k 112 $15,000,000 $133,929 $1,262 4.22%
    $250k+ 72 $36,490,000 $506,806 $3,805 4.11%
    $50k or less 68 $5,350,000 $78,676 $649 4.13%

    Provident Bank lent most frequently to those with incomes in the $100k-150k range, with 201 originations. The second most popular income band? $150k-250k, with 181 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 185 $35,165,000 $190,081 $1,522 4.11%
    30-36% 131 $29,035,000 $221,641 $1,894 4.19%
    <20% 75 $12,215,000 $162,867 $1,205 3.93%
    40% 35 $7,415,000 $211,857 $1,862 4.10%
    44% 33 $4,455,000 $135,000 $966 4.55%
    43% 32 $4,540,000 $141,875 $968 4.49%
    38% 32 $6,040,000 $188,750 $1,545 4.41%
    39% 32 $7,520,000 $235,000 $2,422 4.11%
    45% 31 $7,045,000 $227,258 $1,978 4.13%
    37% 29 $5,025,000 $173,276 $1,822 4.10%
    41% 27 $6,525,000 $241,667 $2,246 4.27%
    36% 27 $5,195,000 $192,407 $1,707 4.34%
    50-60% 26 $4,220,000 $162,308 $1,275 4.21%
    42% 24 $6,510,000 $271,250 $2,574 4.18%
    49% 22 $4,340,000 $197,273 $1,092 4.15%
    47% 18 $4,610,000 $256,111 $2,050 4.17%
    46% 14 $2,890,000 $206,429 $1,709 4.20%
    48% 13 $2,865,000 $220,385 $1,027 4.14%
    >60% 9 $1,815,000 $201,667 $1,709 4.56%

    Provident Bank lent most frequently to those with DTI ratios of 20-30%, with 185 originations. The next most common DTI ratio? 30-36%, with 131 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 68 $128,660,000 $1,892,059 $0 4.77%
    White 634 $126,610,000 $199,700 $1,651 4.18%
    Asian 77 $21,825,000 $283,442 $2,441 4.05%
    Not provided 54 $6,490,000 $120,185 $708 4.33%
    Black 26 $4,150,000 $159,615 $953 4.34%
    Asian Indian 3 $545,000 $181,667 $2,738 3.92%
    Native Hawaiian or Islander 2 $150,000 $75,000 $0 4.00%

    Approval Rates

    Total approvals of all applications
    81.99%

    Provident Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    76.50%

    Provident Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 864 $288,430,000 $333,831

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 31 $122,085,000 $3,938,226
    Single Family (1-4 Units):Site-Built 833 $166,345,000 $199,694

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 162 $47,930,000 $295,864 $369 4.12%
    40-60% 132 $40,720,000 $308,485 $1,644 4.16%
    60-80% 245 $153,215,000 $625,367 $3,615 4.24%
    80-100% 91 $30,605,000 $336,319 $3,738 4.15%
    Under 20% 234 $15,960,000 $68,205 $48 4.35%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 12.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Closing on a mortgage 2 8.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Struggling to pay mortgage 2 8.0%
    PROVIDENT FUNDING ASSOCIATES Conventional home mortgage Trouble during payment process 15 60.0%
    PROVIDENT FUNDING ASSOCIATES FHA mortgage Trouble during payment process 1 4.0%
    PROVIDENT FUNDING ASSOCIATES Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 4.0%
    PROVIDENT FUNDING ASSOCIATES Other type of mortgage Trouble during payment process 1 4.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Provident Bank 1 Plaza Drive Toms River, NJ 8757 Full Service B&M $74,796
    Provident Bank 100 Bloomfield Avenue Bloomfield, NJ 7003 Full Service B&M $74,002
    Provident Bank 100 Stelton Road Piscataway, NJ 8854 Full Service B&M $109,673
    Provident Bank 100 Wood Avenue South Iselin, NJ 8830 Full Service B&M $153,734
    Provident Bank 100 Wood Avenue South Iselin, NJ 8830 Full Service B&M $168,764
    Provident Bank 1000 Woodbridge Center Drive Woodbridge, NJ 7095 Full Service B&M $92,589
    Provident Bank 11 Broad Street Bloomfield, NJ 7003 Full Service B&M $109,081
    Provident Bank 1139 Raritan Avenue Clark, NJ 7066 Full Service B&M $86,393
    Provident Bank 115-119 Ferry Street Newark, NJ 7105 Full Service B&M $59,370
    Provident Bank 1185 Sussex Turnpike Randolph, NJ 7869 Full Service B&M $106,256
    Provident Bank 1220 Green Street Iselin, NJ 8830 Full Service B&M $82,554
    Provident Bank 1260 Broad Street Bloomfield, NJ 7003 Full Service B&M $102,362
    Provident Bank 1502 Route 35 South Ocean Township, NJ 7712 Full Service B&M $88,619
    Provident Bank 1553 Kennedy Boulevard Jersey City, NJ 7305 Full Service B&M $136,404
    Provident Bank 1580 Route 35 Middletown, NJ 7748 Full Service B&M $43,759
    Provident Bank 159 South Orange Avenue South Orange, NJ 7079 Full Service B&M $65,909
    Provident Bank 161 Eagle Rock Avenue Roseland, NJ 7068 Full Service B&M $91,393
    Provident Bank 166 Ridgedale Avenue Morristown, NJ 7960 Full Service B&M $42,237
    Provident Bank 178 Center Street Clinton, NJ 8809 Full Service B&M $15,805
    Provident Bank 190 Roseberry Street Phillipsburg, NJ 8865 Full Service B&M $84,606
    Provident Bank 1901 Hamilton Street Allentown, PA 18104 Full Service B&M $31,002
    Provident Bank 1930 Route 88 Brick, NJ 8724 Full Service B&M $61,545
    Provident Bank 2015 Route 35 South Wall Township, NJ 7719 Full Service B&M $83,216
    Provident Bank 205 Main Street Manasquan, NJ 8736 Full Service B&M $53,579
    Provident Bank 206 South Avenue Fanwood, NJ 7023 Full Service B&M $49,665
    Provident Bank 208-218 Washington Avenue Belleville, NJ 7109 Full Service B&M $57,354
    Provident Bank 21 Washington Avenue Dumont, NJ 7628 Full Service B&M $83,428
    Provident Bank 210 Penns Trail Ste. 104 Newtown, PA 18940 Full Service B&M $33,962
    Provident Bank 2100 Oak Tree Road Edison, NJ 8820 Full Service B&M $76,495
    Provident Bank 2162 Rt. 206 South Belle Mead, NJ 8502 Full Service B&M $39,052
    Provident Bank 222 Halsey Street Newark, NJ 7102 Full Service B&M $14,095
    Provident Bank 225 Prospect Plains Road Monroe Township, NJ 8831 Full Service B&M $116,233
    Provident Bank 24 North Park Place Morristown, NJ 7960 Full Service B&M $63,946
    Provident Bank 249 Kearny Ave Kearny, NJ 7032 Full Service B&M $59,936
    Provident Bank 250 Madison Avenue Morristown, NJ 7960 Full Service B&M $158,117
    Provident Bank 2750 Route 27 North North Brunswick, NJ 8902 Full Service B&M $76,739
    Provident Bank 28 West Main Street Somerville, NJ 8876 Full Service B&M $34,670
    Provident Bank 30 Route 31 Flemington, NJ 8822 Full Service B&M $124,420
    Provident Bank 301-303 Raritan Avenue Highland Park, NJ 8904 Full Service B&M $45,320
    Provident Bank 308 Rues Lane East Brunswick, NJ 8816 Full Service B&M $136,042
    Provident Bank 320-322 Broad Avenue Leonia, NJ 7605 Full Service B&M $57,137
    Provident Bank 325 Amboy Avenue Woodbridge, NJ 7095 Full Service B&M $88,441
    Provident Bank 333 North Avenue Dunellen, NJ 8812 Full Service B&M $83,677
    Provident Bank 339 State Street Perth Amboy, NJ 8861 Full Service B&M $74,268
    Provident Bank 340 Route 46 East Dover, NJ 7801 Full Service B&M $113,394
    Provident Bank 350 Communipaw Avenue Jersey City, NJ 7304 Full Service B&M $53,145
    Provident Bank 3514 Route 9 South Freehold, NJ 7728 Full Service B&M $51,129
    Provident Bank 3670 Kennedy Boulevard Jersey City, NJ 7307 Full Service B&M $98,269
    Provident Bank 371 Spotswood Englishtown Road Monroe Township, NJ 8831 Full Service B&M $36,231
    Provident Bank 3720 Bergenline Avenue Union City, NJ 7087 Full Service B&M $50,144
    Provident Bank 381 Speedwell Avenue Morris Plains, NJ 7950 Full Service B&M $114,019
    Provident Bank 3889 Route 516 Old Bridge, NJ 8857 Full Service B&M $93,278
    Provident Bank 40 Main Ave Ocean Grove, NJ 7756 Full Service B&M $40,833
    Provident Bank 401 Smith Road Parsippany, NJ 7054 Full Service B&M $114,086
    Provident Bank 41 Broadway Denville, NJ 7834 Full Service B&M $127,359
    Provident Bank 425 Route 206 Hillsborough, NJ 8844 Full Service B&M $106,220
    Provident Bank 4285 W. Tilghman Street Allentown, PA 18104 Full Service B&M $24,636
    Provident Bank 4331 Route 9 North And Pond Road Freehold, NJ 7728 Full Service B&M $65,024
    Provident Bank 445 Route 34 Matawan, NJ 7747 Full Service B&M $48,481
    Provident Bank 464 - 472 Avenue C Bayonne, NJ 7002 Full Service B&M $87,578
    Provident Bank 464 Cedar Lane Teaneck, NJ 7666 Full Service B&M $139,793
    Provident Bank 464 Eagle Rock Avenue West Orange, NJ 7052 Full Service B&M $30,213
    Provident Bank 477 Union Avenue Bridgewater, NJ 8807 Full Service B&M $70,451
    Provident Bank 4787 Freemansburg Avenue Easton, PA 18045 Full Service B&M $98,105
    Provident Bank 509 Route 130 East Windsor, NJ 8520 Full Service B&M $88,142
    Provident Bank 533 Bergen Avenue Jersey City, NJ 7304 Full Service B&M $19,955
    Provident Bank 5410 Bergenline Avenue West New York, NJ 7093 Full Service B&M $38,816
    Provident Bank 562 Lexington Avenue Clifton, NJ 7011 Full Service B&M $52,844
    Provident Bank 569 Broadway Bayonne, NJ 7002 Full Service B&M $52,114
    Provident Bank 573 North Main Street Doylestown, PA 18901 Full Service B&M $50,452
    Provident Bank 599 Middlesex Avenue Metuchen, NJ 8840 Full Service B&M $62,525
    Provident Bank 6 Jackson Street South River, NJ 8882 Full Service B&M $134,841
    Provident Bank 600 Washington Avenue South Amboy, NJ 8879 Full Service B&M $75,173
    Provident Bank 6002 Broadway West New York, NJ 7093 Limited, Drive-thru $0
    Provident Bank 604-610 Laurel Avenue Point Pleasant Beach, NJ 8742 Full Service B&M $28,369
    Provident Bank 6141 Bergenline Avenue West New York, NJ 7093 Full Service B&M $44,896
    Provident Bank 65 South Street New Providence, NJ 7974 Full Service B&M $61,617
    Provident Bank 765 Poole Avenue Hazlet, NJ 7730 Full Service B&M $93,428
    Provident Bank 77 River Street Hoboken, NJ 7030 Full Service B&M $33,375
    Provident Bank 895 Bergen Avenue Jersey City, NJ 7306 Full Service B&M $122,466
    Provident Bank 930 North Washington Avenue Green Brook, NJ 8812 Full Service B&M $52,934
    Provident Bank 95 East Main Street Mendham, NJ 7945 Full Service B&M $49,444
    Provident Bank 97 North Main Street Milltown, NJ 8850 Full Service B&M $140,492
    Provident Bank 98 Main Street Madison, NJ 7940 Full Service B&M $130,568
    Provident Bank 980 Amboy Avenue Edison, NJ 8837 Full Service B&M $185,224
    Provident Bank Washington And York Streets Jersey City, NJ 7303 Full Service B&M $138,478

    For 2018, Provident Bank had 86 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $359,855
    Net interest income $299,045
    Total noninterest income $56,846
    Gross Fiduciary activities income $2,207
    Service charges on deposit accounts $12,905
    Trading account gains and fees $2,010
    Additional Noninterest Income $39,724
    Pre-tax net operating income $141,002
    Securities gains (or losses, -) $13
    Income before extraordinary items $116,177
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $116,177
    Minority interest net income $0
    Net income $116,177
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $116,166

    Provident Bank's gross interest income from loans was $359,855,000.
    Provident Bank's net interest income from loans was $299,045,000.
    Provident Bank's fee based income from loans was $12,905,000.
    Provident Bank's net income from loans was $116,177,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $60,810
    Provision for credit losses $23,700
    Total noninterest expense $191,189
    Salaries and employee benefits $111,496
    Premises and equipment expense $25,756
    Additional noninterest expense $53,937
    Applicable income taxes $24,838
    Net charge-offs $28,333
    Cash dividends $47,300

    Provident Bank's interest expense for loans was $60,810,000.
    Provident Bank's payroll and benefits expense were $111,496,000.
    Provident Bank's property, plant and equipment expenses $25,756,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $6,863,260
    Deposits held in domestic offices $6,863,260
    Deposits by Individuals, partnerships, and corporations $5,597,858
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $1,265,400
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $721,262
    Demand deposits $273,235
    Nontransaction accounts $6,141,998
    Money market deposit accounts (MMDAs) $1,497,424
    Other savings deposits (excluding MMDAs) $3,894,082
    Total time deposits $750,492
    Total time and savings deposits $6,590,025
    Noninterest-bearing deposits $1,514,822
    Interest-bearing deposits $5,348,438
    Retail deposits $6,597,132
    IRAs and Keogh plan accounts $131,607
    Brokered deposits $160,760
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,725,812
    Cash & Balances due from depository institutions $86,195
    Interest-bearing balances $3,911
    Total securities $1,543,053
    Federal funds sold & reverse repurchase $55,917
    Net loans and leases $7,195,026
    Loan and leases loss allowance $55,562
    Trading account assets $15,634
    Bank premises and fixed assets $58,124
    Other real estate owned $1,565
    Goodwill and other intangibles $418,178
    All other assets $352,120

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,725,812
    Total Liabilities $8,402,796
    Total deposits $6,863,260
    Interest-bearing deposits $5,348,438
    Deposits held in domestic offices $6,863,260
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $121,322
    Trading liabilities $14,766
    Other borrowed funds $1,357,716
    Subordinated debt $0
    All other liabilities $45,732

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,195,026
    Loan and leases loss allowance $55,562
    Total loans and leases (domestic) $7,250,588
    All real estate loans $6,384,471
    Real estate loans in domestic offices $6,384,471
    Construction and development loans $437,628
    Residential 1-4 family construction $3,105
    Other construction, all land development and other land $434,523
    Loans secured by nonfarm nonresidential properties $3,093,480
    Nonfarm nonresidential secured by owner-occupied properties $844,816
    Commercial real estate & other non-farm, non-residential $2,248,664
    Multifamily residential real estate $1,339,801
    1-4 family residential loans $1,513,562
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $764,061
    To non-U.S. addressees $0
    Loans to individuals $23,898
    Credit card loans $0
    Related Plans $1,351
    Consumer Auto Loans $82
    Other loans to individuals $22,465
    All other loans & leases $78,192
    Loans to foreign governments and official institutions $0
    Other loans $3,575
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $81,655
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $34,380
    Non 1-4 family restructured loans & leases $12,589
    Total loans and leases (foreign) $0

    Provident Bank had $7,195,026,000 of loans outstanding in 2018. $6,384,471,000 of loans were in real estate loans. $437,628,000 of loans were in development loans. $1,339,801,000 of loans were in multifamily mortgage loans. $1,513,562,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $82,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,074 $350,695 $326,532
    Nonfarm, nonresidential loans - <$100k 138 $4,853 $35,167
    Nonfarm, nonresidential loans - $100-250k 222 $28,307 $127,509
    Nonfarm, nonresidential loans - $250k-1MM 714 $317,535 $444,727
    Commercial & Industrial, US addressed loans - <$1MM 2,365 $188,907 $79,876
    Commercial & Industrial, US addressed loans - <$100k 1,300 $11,594 $8,918
    Commercial & Industrial, US addressed loans - $100-250k 443 $30,301 $68,400
    Commercial & Industrial, US addressed loans - $250k-1MM 622 $147,012 $236,354