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Provident Bank is the oldest community bank in New Jersey, established in 1839. As a wholly owned subsidiary of Provident Financial Services, Inc. (NYSE:PFS), it serves customers throughout New Jersey and Pennsylvania through more than 80 branches and digital banking services.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
Data not available
As Of December 31, 2025
Median
$750K
Average
$1.4M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Beer, Wine, and Liquor Retailers
3
loans
$2.3M
avg. amount
Beer, Wine, and Liquor Retailers
Loans
3
Avg. Amount
$2.3M
Limited-Service Restaurants
1
loans
$1.1M
avg. amount
Limited-Service Restaurants
Loans
1
Avg. Amount
$1.1M
Commercial Printing (except Screen and Books)
1
loans
$594K
avg. amount
Commercial Printing (except Screen and Books)
Loans
1
Avg. Amount
$594K
Full-Service Restaurants
1
loans
$600K
avg. amount
Full-Service Restaurants
Loans
1
Avg. Amount
$600K
Offices of Physical, Occupational and Speech Therapists, and Audiologists
1
loans
$189K
avg. amount
Offices of Physical, Occupational and Speech Therapists, and Audiologists
Loans
1
Avg. Amount
$189K
Bowling Centers
1
loans
$445K
avg. amount
Bowling Centers
Loans
1
Avg. Amount
$445K
Child Care Services
1
loans
$2.6M
avg. amount
Child Care Services
Loans
1
Avg. Amount
$2.6M
10-Year Default Rate
1.3%
Percentile Ranking
86th
86th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.19% |
| $1M-$2M | Prime + 3.25% |
| $2M-$3M | Prime + 1.75% |
| $4M-$5M | Prime + 2.25% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)