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- Non-performing Loans Nearly Doubled (worsened) — NPLs rose to $140.1M from $78.4M at year-end, driven by $81.2M in senior housing loans in bankruptcy.
- Unrealized Losses On Afs Securities (worsened) — AFS portfolio swung to $107.8M in unrealized losses for nine months, widening AOCI loss to $174.9M.
- New Jersey Tax Examination (new) — Preliminary assessment of ~$14M plus ~$7M interest/penalties; no liability recorded but final assessment could be materially different.
Provident Financial Q3 net income slips 3.6% to $69.2M as credit costs and unrealized losses mount
Filed November 6, 2026 · Period ending September 30, 2026 · Compared to 10-Q Nov 6, 2025 · ~2 min read
Key Changes
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Non-performing loans nearly doubled to $140.1M (0.69% of loans) from $78.4M at year-end, driven by four senior housing commercial loans in bankruptcy totaling $81.2M.
MD&A: Credit Quality verify on EDGAR → -
high
New Jersey tax examination disclosed: preliminary assessment of ~$14M in additional CBT plus ~$7M interest/penalties; no liability recorded as management believes position will be sustained.
Legal Proceedings verify on EDGAR → -
high
Available-for-sale securities swung to $107.8M in unrealized losses for nine months (vs. $55.9M gains a year ago), widening accumulated other comprehensive loss to $174.9M.
Notes: AFS Securities verify on EDGAR →
2 more material changes behind this preview — plus the full narrative summary, section-by-section diffs against the prior filing, and verbatim quotes with EDGAR citations.
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Figures/quotes linked to EDGAR · Narrative written by AI · Nov 9, 2026 · How we verify