Segment Reporting

We conduct our operations through a single business segment. Substantially all of our interest and fees on loans and long-lived assets relate to our operations. Pursuant to FASB ASC 280, Segment Reporting, operating segments represent components of an enterprise for which separate financial information is available that is regularly evaluated by the chief operating decision maker in determining how to allocate resources and in assessing performance. The chief operating decision maker uses a variety of measures to assess the performance of the business as a whole, depending on the nature of the activity. The Company generates revenue from several business channels. Those streams are organized by the types of partners we work with to reach our customers, with success principally measured based on interest and fees on loans, loan receivables, active accounts and other sales metrics. Detailed profitability information of the nature that could be used to allocate resources and assess the performance and operations for each sales platform individually, however, is not used by our chief operating decision maker. Expense activities, including funding costs, credit losses and operating expenses, are not measured for each platform but instead are managed for the Company as a whole.

The following table represents segment information for the years ended December 31, 2025, 2024 and 2023:


	Years ended December 31,
	2025		2024	2023
Interest income on loans	$	1,133,421	944,296	556,235
Interest income on cash and debt securities	139,353		101,842	59,585
Total interest income	1,272,774		1,046,138	615,820
Total interest expense	512,209		445,524	216,366
Net interest income	760,565		600,614	399,454

Provision for credit losses	3,581		87,564	28,168
Net interest income after provision	756,984		513,050	371,286

Non interest income:
Wealth management income	29,252		30,533	27,669
Insurance Agency Income	18,299		16,201	13,934
Other non-interest income (1)	62,285		47,379	38,226
Total non-interest income	109,836		94,113	79,829

Non interest expense:
Compensation and employee benefits	253,133		218,341	148,497
Net occupancy expense	52,789		45,014	32,271
Data processing expense	37,415		35,579	22,993
Other non interest expense (2)	115,326		158,614	71,575
Total non-interest expense	458,663		457,548	275,336

Income tax expense	116,997		34,090	47,381

Net income	$	291,160	115,525	128,398

(1) Other non-interest income items includes fees and commissions, BOLI and other miscellaneous income.

(2) Other non-interest expense items includes merger-related expenses, amortization of intangibles & other misc. expenses.

Our segment assets represent our total assets as presented on the Consolidated Statements of Financial Position.

Historical Timeline

Fiscal Year	Filed
2025	Feb 27, 2026	Showing above
2024	Feb 28, 2025

About Segments Disclosures

Segment disclosures break a company into its reportable operating units, revealing revenue, profit, and asset allocation that consolidated financial statements obscure. Under ASC 280, segments must match how the chief operating decision maker views the business, providing a window into internal management structure and resource allocation priorities.

Key signals: compare segment margins to identify which units drive profitability and which destroy value. Watch for changes in the number of reportable segments — segment aggregation or disaggregation often coincides with strategic shifts or attempts to obscure declining performance. Intersegment elimination patterns reveal internal pricing practices. The reconciliation between segment totals and consolidated figures exposes corporate overhead allocation and unallocated items. Geographic revenue concentration highlights regulatory and currency exposure. Compare segment-level capital expenditure against segment revenue to assess where management is investing for future growth versus harvesting existing assets.

PROVIDENT FINANCIAL SERVICES INC Segments Disclosure

Historical Timeline

About Segments Disclosures

Other Available Disclosures