Provident Financial Services, Inc. operates as the holding company for The Provident Bank that provides banking services to individuals, families, and businesses in New Jersey. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA and KEOGH accounts. The company also originates commercial real estate loans that are secured by income-producing properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; construction loans for single family and condominium projects; other consumer loans consisting of home equity loans and home equity lines of credit; and marine loans. In addition, it offers cash management, remote deposit capture, payroll origination, escrow account management, and online banking services; and business credit cards. Further, the company provides range of asset management services, including investment management, asset allocation, trust and fiduciary, financial planning, family office, estate settlement, and custody services to individuals, municipalities, non-profits, corporations, and pension funds. Additionally, it sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; invests in real estate development joint ventures principally targeted to meet the housing needs of low and moderate-income communities; and manages and sells real estate properties acquired through foreclosure. As of April 27, 2012, the company operated a network of 81 full service branches in northern and central New Jersey. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.