Provident Financial Services (PFS) 8-K Regulation FD Disclosure

FACT SHEET

as of 6/30/12

NYSE: PFS

Our Commitment Shines Through

Exhibit 99.1

LOAN PORTFOLIO

as of June 30, 2012

Total Loans: $4.7 Billion

Average Loan Yield:  4.76%

DEPOSIT MIX

as of June 30, 2012

Total Deposits:  $5.2 Billion

Cost of Deposits: 0.50%

Corporate Profile

Provident Financial Services, Inc.

is the holding company for The Provident Bank. Established in 1839, The Provident Bank

emphasizes personal service and customer convenience in attending to the financial needs of businesses, individuals and

families in northern and central New Jersey through its network of full service branches, as well as its telephone and web-

based banking services.

The Bank’s wholly owned subsidiary, Beacon Trust Company offers a full range of asset management services to

individuals, municipalities, not-for-profits, corporations and pension funds.

Provident Financial’s common stock trades on the NYSE under the symbol “PFS“.

Company Highlights:

•

New Jersey’s oldest state chartered bank

•

Experienced Management Team and best practices Board of Directors

•

Over 75 branch offices in 11 New Jersey Counties

•

Well capitalized under current regulatory standards

•

Eight year history of quarterly cash dividends to stockholders

•

Wealth Management and Trust Administration Services

NET INTEREST MARGIN

CREDIT QUALITY

NON-PERFORMING LOANS

EARNINGS PER SHARE

Total Assets

$7.13 billion

3.00%

Net Loans

$4.66 billion

90.96%

Total Investments

$1.71 billion

80.16%

Total Deposits

$5.21 billion

1.53%

$615 million

ALLL/NPLs

62.80%

Selected Key Ratios

Q2 2012

Q2 2012

Net Interest Margin

3.39%

Annualized ROATE

10.49%

0.85%

Efficiency Ratio

59.07%

Annualized ROAA

0.90%

1.58%

FINANCIAL HIGHLIGHTS

Total Assets-CAGR 5 Years:

Financial data as of 6/30/12

Tangible Common Equity

Avg. Cost of Int.-bearing Liabilities

Loan/Deposit Ratio

ALLL/Total Loans

Core Deposits/Total Deposits

Net Operating Expense to Average Assets

*2009 EPS excluding goodwill impairment was $0.55

239 Washington Street

Jersey City, NJ 07302

732-590-9300

Forward Looking Statement:

Forward Looking Statement:

Certain

statements

contained

herein

are

"forward-looking

statements"

within

the

meaning

of

Section27A

of

the

Securities

Act

of

1933

and

Section21E

of

the

Securities

Exchange

Act

of

1934.

Such

forward-looking

statements

may

be

identified

by

reference

to

a

future

period

or

periods,

or

by

the

use

of

forward-

looking

terminology,

such

as

"may,"

"will,"

"believe,"

"expect,"

"estimate,"

"anticipate,"

"continue,"

or

similar

terms

or

variations

on

those

terms,

or

the

negative

of

those

terms.

Forward-looking

statements

are

subject

to

numerous

risks

and

uncertainties,

including,

but

not

limited

to,

those

related

to

the

economic

environment,

particularly

in

the

market

areas

in

which

Provident

Financial

Services,

Inc.

(the

“Company”)

operates,

competitive

products

and

pricing,

fiscal

and

monetary

policies

of

the

U.S.

Government,

changes

in

government

regulations

affecting

financial

institutions,

including

regulatory

fees

and

capital

requirements,changes

in

prevailing

interest

rates,

acquisitions

and

the

integration

of

acquired

businesses,

credit

risk

management,

asset-liability

management,

the

financial

and

securities

markets

and

the

availability

of

and

costs

associated

with

sources

of

liquidity.

The

Company

cautions

readers

not

to

place

undue

reliance

on

any

such

forward-looking

statements,

which

speak

only

as

of

the

date

made.

The

Company

also

advises

readers

that

the

factors

listed

above

could

affect

the

Company's

financial

performance

andcould

cause

the

Company's

actual

results

for

future

periods

to

differ

materially

from

any

opinions

or

statements

expressed

with

respect

to

future

periods

in

any

current

statements.

The

Company

does

not

undertake

and

specifically

declines

any

obligation

to

publicly

release

the

result

of

any

revisions

whichmay

be

made

to

any

forward-looking

statements

to

reflect

events

or

circumstances

after

the

date

of

such

statements

or

to

reflect

the

occurrence

of

anticipated

or

unanticipated

events.

Christopher Martin

Chairman, President & CEO

Chris.martin@providentnj.com

Thomas M. Lyons

Executive Vice President & CFO

Tom.lyons@providentnj.com

Leonard G. Gleason

Senior Vice President &

Investor Relations Officer

Len.gleason@providentnj.com