Compared with New Jersey
7 of 13
compared fees are above the median.
5 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
33rd percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 13 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Provident Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Provident Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (33rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5.3M in Q2 2026, 5.0% above the same quarter a year earlier ($5.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 13 compared published fees sit above the New Jersey median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
Overdraft (OD)
Minimum Balance
Debit Card Replacement
Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 3.5% from Q3 2025 to Q2 2026, to $5.3M. Its share of revenue, 2.2%, is below the 2.9% median for banks with $10B to $50B in assets.
$5.3M
Provident BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Provident Bank · $25.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Provident Bank(this institution) | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beacon Bank and Trust | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mechanics Bank | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seacoast National Bank | Stuart, FL | $21.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WaFd Bank | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $11 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Provident Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Provident Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.3M | +$138K | +2.7% |
| Q1 2026 | $5.2M | +$11K | +0.2% |
| Q4 2025 | $5.2M | +$33K | +0.6% |
| Q3 2025 | $5.1M | +$69K | +1.4% |
| Q2 2025 | $5.1M | +$272K | +5.7% |
| Q1 2025 | $4.8M | +$458K | +10.6% |
| Q4 2024 | $4.3M | −$405K | −8.6% |
| Q3 2024 | $4.7M | +$875K | +22.7% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Provident Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Provident Bank by share.
Amounts from Provident Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Penalty Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service Charge for Early Account Closure-8 | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation/Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Replacement of Lost or Stolen ATM/Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Counter Check (4 checks) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of Paid Check (front and back) | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Re-deposit Returned Item | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (per key) | $25Not compared: Box drilling or key fee | per item | None |
| Levies | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Civil Subpoena | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Balance Verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment (10 days grace period) | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of 1099 and Other Tax Documents | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Deposit/Withdrawal Ticket or Deposited Item | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Periodic Account Statement | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Provident Bank operates, and what regulators and customers have on file.
Branch footprint
138 offices in 3 states, $19.6B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 128 | $18.7B | |
| 4 | $260.6M | |
| 3 | $255.5M | |
| 1 | $247.5M | |
| 2 | $140.4M |
New York-Newark-Jersey City, NY-NJ
0.6% of bank deposits, #21 of 151, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Provident Bank holds 0.6% of bank deposits, #21 of 151, with 128 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 128 offices, #21 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
13 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 6 |
| Incorrect information on your report | 2 |
| Opening an account | 2 |
| Fraud or scam | 1 |
| Improper use of your report | 1 |
| Trouble during payment process | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve and New Jersey Department of Banking and Insurance
The Federal Reserve and New Jersey Department of Banking and Insurance have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and New Jersey Department of Banking and Insurance, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
PROVIDENT FINANCIAL SERVICES INC (NYSE: PFS)
Consolidated assets
$25.7B
Shareholders' equity
$2.9B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1178970. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.