PVBC / Provident Bancorp, Inc. - SEC Filings, Annual Report, Proxy Statement

Provident Bancorp, Inc.
US ˙ NasdaqCM ˙ US74383L1052

Basic Stats
CIK 1778784
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Provident Bancorp, Inc.
SEC Filings (Chronological Order)
This page provides a complete, chronological list of SEC Filings, excluding ownership filings which we provide elsewhere.
September 5, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 5, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 5, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. E

September 5, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 5, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 5, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. E

August 14, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident

August 7, 2025 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.    ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

July 24, 2025 EX-99.1

Provident Bancorp, Inc. Reports Net Income of $2.8 Million for the Quarter Ended June 30, 2025

Exhibit 99.1 Provident Bancorp, Inc. Reports Net Income of $2.8 Million for the Quarter Ended June 30, 2025 Company Release 07/24/2025 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended June 30, 2025 of $2.8 million, or $0.17 per diluted share, compared to net income of $2.2 mi

July 24, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

June 18, 2025 11-K

SECURITIES AND EXCHANGE COMMISSION

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition p

June 6, 2025 425

Filed by Provident Bancorp, Inc.

Filed by Provident Bancorp, Inc. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Provident Bancorp, Inc. SEC File No.: 001-39090 Filer’s SEC File No.: 001-39090 Date: June 6, 2025 Dear BankProv customer, We are writing to let you know that BankProv has entered into a definitive agreement to be

June 5, 2025 EX-2.1

Agreement and Plan of Merger by and among NB Bancorp, Inc., Needham Bank, 1828 MS, Inc., Provident Bancorp, Inc., and BankProv, dated as of June 5, 2025

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER DATED AS OF JUNE 5, 2025 BY AND AMONG NB BANCORP. INC., NEEDHAM BANK, 1828 MS, INC., PROVIDENT BANCORP, INC., AND BANKPROV TABLE OF CONTENTS Article I THE TRANSACTIONS‌1 Section 1.01 The Merger‌1 Section 1.02 The Holdco Merger‌2 Section 1.03 The Bank Merger‌2 Section 1.04 Closing‌2 Section 1.05 Effective Times.‌2 Section 1.06 Organizational Documents, Buyer

June 5, 2025 425

Filed by Provident Bancorp, Inc.

Filed by Provident Bancorp, Inc. Pursuant to Rule 425 under the Securities Act of 1933 And deemed filed pursuant to Rule 14a-12 Under the Securities Exchange Act of 1934 Subject Company: Provident Bancorp, Inc. Commission File No. 001-39090 NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement Key Highlights: • Merger expands Needham Bank’s branch footprint into the N

June 5, 2025 EX-99.3

NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement

Exhibit 99.3 NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement Key Highlights: ● Merger expands Needham Bank’s branch footprint into the North Shore of Massachusetts and New Hampshire ● The merger is expected to be approximately 19% accretive to NB Bancorp, Inc.’s earnings per share in 2026, the first full year of combined operations, assuming full phase-in of cos

June 5, 2025 EX-2.1

Agreement and Plan of Merger by and among NB Bancorp, Inc., Needham Bank, 1828 MS, Inc., Provident Bancorp, Inc., and BankProv, dated as of June 5, 2025

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER DATED AS OF JUNE 5, 2025 BY AND AMONG NB BANCORP. INC., NEEDHAM BANK, 1828 MS, INC., PROVIDENT BANCORP, INC., AND BANKPROV TABLE OF CONTENTS Article I THE TRANSACTIONS‌1 Section 1.01 The Merger‌1 Section 1.02 The Holdco Merger‌2 Section 1.03 The Bank Merger‌2 Section 1.04 Closing‌2 Section 1.05 Effective Times.‌2 Section 1.06 Organizational Documents, Buyer

June 5, 2025 EX-99.3

NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement

Exhibit 99.3 NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement Key Highlights: ● Merger expands Needham Bank’s branch footprint into the North Shore of Massachusetts and New Hampshire ● The merger is expected to be approximately 19% accretive to NB Bancorp, Inc.’s earnings per share in 2026, the first full year of combined operations, assuming full phase-in of cos

June 5, 2025 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 5, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 5, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employ

June 5, 2025 425

EMPLOYEE FAQS

EMPLOYEE FAQS (internal use) Why is the company being acquired? This decision was made with the long-term success of our employees, customers, and stakeholders in mind.

June 5, 2025 EX-99.1

VOTING AGREEMENT

Exhibit 99.1 VOTING AGREEMENT VOTING AGREEMENT (“Agreement”), dated as of June 5, 2025, by and between NB Bancorp, Inc., a Maryland corporation (“Buyer”), and the undersigned holder (the “Shareholder”) of Common Stock, par value $0.01 per share (the “Common Stock”), of Provident Bancorp., Inc., a Maryland corporation (“Company”). BACKGROUND STATEMENTS: A.Concurrently with the execution of this Agr

June 5, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 5, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employ

June 5, 2025 EX-99.2

2 reflected in the final report that the Parties expect to be delivered to Seller prior to the Closing under the Merger Agreement (the “Final Valuation Report”), will likely be greater, and may be materially greater, than the Non-Competition Payment,

Exhibit 99.2 Exhibit 99.2 7273403 CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this “Agreement”) is made and entered into by and among NB Bancorp, Inc., Inc. (“NBBK”), Needham Bank, a wholly owned subsidiary of NBBK (“the “Bank” and, together with NBBK, the “Company”), and Joseph B. Reilly (the “Consultant”) (collectively referred to as the “Parties”), as of the 5th day of June, 2025, to become

June 5, 2025 425

Filed by Provident Bancorp, Inc.

Filed by Provident Bancorp, Inc. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Provident Bancorp, Inc. SEC File No.: 001-39090 Filer’s SEC File No.: 001-39090 Date: June 5, 2025 Employee Announcement Email Subject: Important News: A New Chapter Ahead with Needham Bank Dear Team, I’m pleased

June 5, 2025 EX-99.1

VOTING AGREEMENT

Exhibit 99.1 VOTING AGREEMENT VOTING AGREEMENT (“Agreement”), dated as of June 5, 2025, by and between NB Bancorp, Inc., a Maryland corporation (“Buyer”), and the undersigned holder (the “Shareholder”) of Common Stock, par value $0.01 per share (the “Common Stock”), of Provident Bancorp., Inc., a Maryland corporation (“Company”). BACKGROUND STATEMENTS: A.Concurrently with the execution of this Agr

June 5, 2025 EX-99.2

2 reflected in the final report that the Parties expect to be delivered to Seller prior to the Closing under the Merger Agreement (the “Final Valuation Report”), will likely be greater, and may be materially greater, than the Non-Competition Payment,

Exhibit 99.2 Exhibit 99.2 7273403 CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this “Agreement”) is made and entered into by and among NB Bancorp, Inc., Inc. (“NBBK”), Needham Bank, a wholly owned subsidiary of NBBK (“the “Bank” and, together with NBBK, the “Company”), and Joseph B. Reilly (the “Consultant”) (collectively referred to as the “Parties”), as of the 5th day of June, 2025, to become

May 20, 2025 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 14, 2025 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2025 PROVIDENT BANCORP, INC. (Exact Nam

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident

April 25, 2025 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2025 PROVIDENT BANCORP, INC. (Exact N

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

April 25, 2025 EX-99.1

Provident Bancorp, Inc. Reports Results for the March 31, 2025 Quarter

Exhibit 99.1 Provident Bancorp, Inc. Reports Results for the March 31, 2025 Quarter Company Release 04/25/2025 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended March 31, 2025 of $2.2 million, or $0.13 per diluted share, compared to $4.9 million, or $0.29 per diluted share, fo

April 15, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a‑6(e)(2)) ☒ Defin

April 3, 2025 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a‑6(e)(2)) ☐ Defin

March 31, 2025 EX-97

Clawback Policy

Document Owner: Human Resources, SVP/Human Resources Date Last Approved: December 2024 Next Approval: October 2025 Approval Authority: Compensation Committee, Board Version Author(s) Date Approved 1.

March 31, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTI

FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 31, 2025 EX-19

Insider Trading Policies and Procedures

POLICY REGARDING INSIDER TRADING Adopted: June 27th, 2024 Purpose Provident Bancorp, Inc.

January 23, 2025 EX-99.1

Provident Bancorp, Inc. Reports Fourth Quarter Net Income of $4.9 Million

Exhibit 99.1 Provident Bancorp, Inc. Reports Fourth Quarter Net Income of $4.9 Million Company Release 1/23/2025 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended December 31, 2024 of $4.9 million, or $0.29 per diluted share, compared to net income of $716,000, or $0.04 per di

January 23, 2025 8-K

Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 23, 2025 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

December 26, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 19, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

December 2, 2024 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 2, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

December 2, 2024 EX-99.1

Provident Bancorp, Inc. Adopts Stock Repurchase Program

Exhibit 99.1 Provident Bancorp, Inc. Adopts Stock Repurchase Program Company Release 12/02/2024 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (Nasdaq:PVBC), the holding company for BankProv (the “Bank”), today announced that its Board of Directors has adopted a new stock repurchase program. Under the repurchase program, the Company may repurchase up to 883,366 shares of its com

November 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provi

November 1, 2024 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 29, 2024 EX-10.1

Employment Agreement dated October 25, 2024, between BankProv and Joseph B. Reilly

Exhibit 10.1 EXEUCTION VERSION EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into, effective as of the 25th day of October 2024 (the “Effective Date”), by and between BankProv, a Massachusetts- chartered stock bank (the “Bank”) and Joseph B. Reilly (the “Executive”). Any reference to the “Company” shall mean Provident Bancorp, Inc., the holding company of the

October 29, 2024 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 29, 2024 EX-10.2

Employment Agreement dated October 25, 2024, between BankProv and Kenneth R. Fisher

Exhibit 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into, effective as of the 25th day of October 2024 (the “Effective Date”), by and between BankProv, a Massachusetts-chartered stock bank (the “Bank”) and Kenneth R. Fisher (the “Executive”). Any reference to the “Company” shall mean Provident Bancorp, Inc., the holding company of the Bank. RECITALS WH

October 25, 2024 EX-99.1

Provident Bancorp, Inc. Reports Results for the September 30, 2024 Quarter

Exhibit 99.1 Provident Bancorp, Inc. Reports Results for the September 30, 2024 Quarter Company Release 10/24/2024 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended September 30, 2024 of $716,000, or $0.04 per diluted share, compared to a net loss of $3.3 million, or $0.20 per

October 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

August 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident

July 29, 2024 EX-99.1

Provident Bancorp, Inc. Reports Results for the June 30, 2024 Quarter

Exhibit 99.1 Provident Bancorp, Inc. Reports Results for the June 30, 2024 Quarter Company Release 07/29/2024 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported a net loss for the quarter ended June 30, 2024 of $3.3 million, or a loss of $0.20 per diluted share, compared to net income of $5.0 million, or $0.30

July 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 29, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

June 10, 2024 11-K

The accompanying notes are an integral part of these financial statements.

The accompanying notes are an integral part of these financial statements. 4 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 11-K  ANNUAL REPORT  PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.  For the fiscal year ended December 31, 2023  OR  [ ] TRANSITION REPORT PURSUANT

May 22, 2024 SC 13D/A

PVBC / Provident Bancorp, Inc. / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 4)1 PROVIDENT BANCORP, INC. (Name of Issuer) Common Shares, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) Mr. Joseph Stilwell 200 Ca

May 22, 2024 EX-10

Amendment to Standstill Agreement by and among Provident Bancorp, Inc., Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., Stilwell Partners, L.P., Stilwell Value LLC, Joseph Stilwell and Dennis Pollack, dated as of May 21, 2024

 AMENDMENT TO STANDSTILL AGREEMENT  THIS AMENDMENT, dated this 21st day of May, 2024 (the “Amendment”), to the Standstill Agreement, dated October 28, 2023 (the “Agreement”), is by and among Provident Bancorp, Inc.

May 22, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 21, 2024 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 16, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 15, 2024 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 9, 2024 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Ex

May 8, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 6, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpora

May 8, 2024 EX-99.1

Provident Bancorp, Inc. Names Kenneth Fisher Executive Vice President and Chief Financial Officer

Press Contact: Kathleen Barrett Phone: 603-334-1251 Email: [email protected]  Investor Contact: Joe Reilly, CEO Phone: 603-494-8552 Email: [email protected]  Provident Bancorp, Inc. Names Kenneth Fisher Executive Vice President and Chief Financial Officer  May 7,2024  [Amesbury, MA] — Provident Bancorp, Inc. (NASDAQ: PVBC) (the “Company”), the holding company for BankProv (the "Bank"),

April 25, 2024 EX-99.1

Provident Bancorp, Inc. Reports First Quarter Net Income of $5.0 Million

Provident Bancorp, Inc. Reports First Quarter Net Income of $5.0 Million  Company Release 04/25/2024  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended March 31, 2024 of $5.0 million, or $0.30 per diluted share, compared to $2.9 million, or $0.18 per diluted share, for the q

April 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

April 16, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )   Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a‑6(e)(2)) ☒ D

March 28, 2024 10-K

Holding Company Regulation Federal Securities Laws Acquisition of the Company

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39090 PROVIDE

March 28, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 28, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

February 16, 2024 EX-99.1

Provident Bancorp, Inc. Appoints Julienne Cassarino to Board of Directors

EXHIBIT 99.1 Press Release – For Immediate Release: Press Contact: Kathleen Barrett Phone: 603-334-1251 Email: [email protected] Provident Bancorp, Inc. Appoints Julienne Cassarino to Board of Directors Amesbury, MA – February 16, 2024 – Provident Bancorp, Inc. (NASDAQ: PVBC), is pleased to announce the appointment of Julienne Cassarino to its Board of Directors, as well as the Board of Direct

February 16, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 16, 2024 Provident Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

February 14, 2024 SC 13G/A

PVBC / Provident Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0087178-13sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) PROVIDENT bancorp, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) December

February 9, 2024 EX-10.1

Separation Agreement and Full and Final Release of Claims with Carol L. Houle

EXHIBIT 10.1 SEPARATION AGREEMENT AND FULL AND FINAL RELEASE OF CLAIMS This Separation Agreement and Full and Final Release of Claims (“Agreement”) is entered into between BankProv (the “Bank”), Provident Bancorp, Inc. (the “Company”) and Carol Houle (“you” or “your”) (collectively, the “Parties”). Per our mutual understanding, your employment as Co-President and Co-Chief Executive Officer and Chi

February 9, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 8, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

February 6, 2024 SC 13G/A

PVBC / Provident Bancorp, Inc. / Provident Bancorp, Inc. /MD/ - PROVIDENT BANCORP, INC. SCHEDULE 13G (AMENDMENT 3) DECEMBER 31, 2023 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment 3)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 74383L 105 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the rul

January 26, 2024 EX-99.1

Provident Bancorp, Inc. Appoints Dennis Pollack to Board of Directors

EXHIBIT 99.1 Press Release – For Immediate Release: Press Contact: Kathleen Barrett, VP, Director of Marketing Phone: 603-334-1251 Email: [email protected] Provident Bancorp, Inc. Appoints Dennis Pollack to Board of Directors Portsmouth, NH – January 26, 2024 – Provident Bancorp, Inc. (NASDAQ: PVBC) is pleased to announce the appointment of Dennis Pollack to its Board of Directors as well as t

January 26, 2024 EX-3

Amendment to Bylaws of Provident Bancorp, Inc. (3)

EXHIBIT 3 TEXT OF AMENDMENTS TO BYLAWS Article II, Section 12(a) of the Bylaws is amended to read as follows: Section 12.

January 26, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 25, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 26, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 25, 2024 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 26, 2024 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Results for the December 31, 2023 Quarter and Year Company Release – 01/25/2024  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended December 31, 2023 of $2.9 million, or $0.18 per diluted share, compared to $2.5 million, or $0.15 per diluted sha

November 13, 2023 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc.

November 1, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 31, 2023 SC 13D/A

PVBC / Provident Bancorp Inc / STILWELL JOSEPH - SC 13D/A Activist Investment

CUSIP No. 74383L105 SCHEDULE 13D Page 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3) provident bancorp, Inc. (Name of Issuer) Common Shares, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Te

October 31, 2023 EX-10

Standstill Agreement by and among Provident Bancorp, Inc., Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., Stilwell Partners, L.P., Stilwell Value LLC, Joseph Stilwell and Dennis Pollack

EXHIBIT 10 STANDSTILL AGREEMENT THIS STANDSTILL AGREEMENT (the “Agreement”), dated this 28th day of October 2023, is by and among Provident Bancorp, Inc.

October 31, 2023 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 28, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

October 30, 2023 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Results for the September 30, 2023 Quarter Company Release – 10/26/2023  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended September 30, 2023 of $2.5 million, or $0.15 per diluted share, compared to $3.5 million, or $0.21 per diluted share, for

October 30, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

September 13, 2023 SC 13D/A

PVBC / Provident Bancorp Inc / STILWELL JOSEPH - SC 13D/A Activist Investment

CUSIP No. 74383L105 SCHEDULE 13D Page 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2) provident bancorp, Inc. (Name of Issuer) Common Shares, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Te

August 10, 2023 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Exa

July 28, 2023 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Results for the June 30, 2023 Quarter Company Release – 07/27/2023  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended June 30, 2023 of $3.5 million, or $0.21 per diluted share, compared to $2.1 million, or $0.13 per diluted share, for the quart

July 28, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

June 22, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 21, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

June 21, 2023 SC 13D/A

PVBC / Provident Bancorp Inc / STILWELL JOSEPH - SC 13D/A Activist Investment

CUSIP No. 74383L105 SCHEDULE 13D Page 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1) provident bancorp, Inc. (Name of Issuer) Common Shares, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Te

June 15, 2023 11-K

The accompanying notes are an integral part of these financial statements.

The accompanying notes are an integral part of these financial statements. 4 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 11-K  ANNUAL REPORT  PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.  For the fiscal year ended December 31, 2022  OR  [ ] TRANSITION REPORT PURSUANT

May 22, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 18, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 17, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 17, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 16, 2023 NT 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File No. 001-39090 NOTIFICATION OF LATE FILING (Check One): ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ⌧ Form10-Q ☐ Form 10-D ☐ Form N-CEN ☐ Form N-CSR For Period Ended: March 31, 2023 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q For the T

May 16, 2023 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Ex

May 15, 2023 SC 13D

PVBC / Provident Bancorp Inc / STILWELL JOSEPH - SC 13D Activist Investment

CUSIP No. 74383L105 SCHEDULE 13D Page 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No.) provident bancorp, Inc. (Name of Issuer) Common Shares, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Tele

May 3, 2023 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Results for the March 31, 2023 Quarter Company Release – 05/01/2023  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended March 31, 2023 of $2.1 million, or $0.13 per diluted share, compared to $2.7 million, or $0.16 per diluted share, for the qua

May 3, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 1, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpora

April 18, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )   Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a‑6(e)(2)) ☒ D

March 31, 2023 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 31, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

March 31, 2023 10-K

Holding Company Regulation Federal Securities Laws Acquisition of the Company

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39090 PROVIDE

March 31, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 27, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

February 21, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 14, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

February 21, 2023 EX-10.1

Employment Agreement with Joseph B. Reilly† (incorporated by reference to Exhibit 10.1to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-37504), filed by the Company on February 21, 2023)

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made as of the 14th day of February, 2023 (the “Effective Date”), by and between BankProv, a state-chartered savings bank organized and existing under the laws of the Commonwealth of Massachusetts (the “Bank”), and Joseph B. Reilly of Delray Beach, Florida (the “Executive”). References in this Agreement to the “Compan

February 21, 2023 EX-99.1

BankProv Announces Co-CEO Leadership Team

Exhibit 99.1 BankProv Announces Co-CEO Leadership Team AMESBURY, Mass., Feb. 15, 2023 - Provident Bancorp, Inc. (the "Company") (Nasdaq:PVBC), the holding company for BankProv (the "Bank"), announced today that its Board of Directors ("Board") has officially appointed Carol Houle and Joe Reilly as Co-CEOs and Co-Presidents effective immediately. The team served as interim Co-CEO's since December 2

February 21, 2023 EX-10.2

Amended and Restated Employment Agreement with Carol L. Houle† (incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-37514), filed by the Company on February 21, 2023)

Exhibit 10.2 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (the “Agreement”) was originally made as of the 1st day of January, 2015 (the “Effective Date”), by and between The Provident Bank, a state-chartered savings bank organized and existing under the laws of the Commonwealth of Massachusetts and now known as BankProv (the “Bank”), and Carol L. Houle o

February 21, 2023 EX-10.3

Amended and Restated Employment Agreement with Joseph Mancini† (incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-37504), filed by the Company on February 21, 2023)

Exhibit 10.3 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (the “Agreement”) was originally made as of the 22nd day of April, 2021 (the “Effective Date”), by and between The Provident Bank, a state-chartered savings bank organized and existing under the laws of the Commonwealth of Massachusetts and now known as BankProv (the “Bank”), and Joseph Mancini of

February 10, 2023 SC 13G/A

PVBC / Provident Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0082186-19sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) PROVIDENT BANCORP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) December

February 10, 2023 SC 13G/A

PVBC / Provident Bancorp, Inc. / Provident Bancorp, Inc. /MD/ - PROVIDENT BANCORP, INC. SCHEDULE 13G (AMENDMENT 2) DECEMBER 31, 2022 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment 2)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 74383L 105 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the rul

January 31, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2023 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 31, 2023 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Results for the December 31, 2022 Quarter Company Release – 01/27/2023  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended December 31, 2022 of $2.7 million, or $0.16 per diluted share, compared to a net loss of $35.3 million, or ($2.15) per dil

January 17, 2023 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc.

December 23, 2022 EX-10.1

Separation Agreement and Full and Final Release of Claims with David P. Mansfield

EXHIBIT 10.1 SEPARATION AGREEMENT AND FULL AND FINAL RELEASE OF CLAIMS This Separation Agreement and Full and Final Release of Claims (?Agreement?) is entered into between BankProv (the ?Bank?), Provident Bancorp, Inc. (the ?Company?) and David P. Mansfield (?you? or ?your?) (collectively, the ?Parties?). Per our mutual understanding, your employment as President and Chief Executive Officer of the

December 23, 2022 EX-99.1

BankProv announces Executive Transitions

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Rachelle Peterson Telephone: 603-334-1255 Email: [email protected] BankProv announces Executive Transitions Amesbury, Massachusetts, December 23, 2022 — Provident Bancorp, Inc. (Nasdaq:PVBC), the holding company for BankProv, announced changes to the executive leadership team and named a new Board Chair, effective January 1, 2023. In a mutual decisi

December 23, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 20, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

December 2, 2022 RW

PROVIDENT BANCORP, INC. 5 Market Street Amesbury, Massachusetts 01913

PROVIDENT BANCORP, INC. 5 Market Street Amesbury, Massachusetts 01913 December 2, 2022 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance Office of Financial Services 100 F Street, N.E. Washington, D.C. 20549-4720 Attn.: Eric Envall, Esq. Re: Provident Bancorp, Inc. (Registration No. 333-264439) Registration Statement on Form S-3 Dear Mr. Envall: Pursuant to Rule 477 prom

November 22, 2022 8-K

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 17, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

November 22, 2022 EX-99.1

PROVIDENT BANCORP, INC. RECEIVES NASDAQ NOTICE REGARDING LATE FORM 10-Q FILING

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Carol L. Houle Executive Vice President and Chief Financial Officer Telephone: (877) 487-2977 PROVIDENT BANCORP, INC. RECEIVES NASDAQ NOTICE REGARDING LATE FORM 10-Q FILING Amesbury, Massachusetts, November 22, 2022 — Provident Bancorp, Inc. (the “Company”) (Nasdaq:PVBC), the holding company for BankProv (the “Bank”), announced today that on November 17,

November 15, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 15, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

November 15, 2022 NT 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

NT 10-Q 1 nt10q.htm FOR PERIOD ENDING 9/30/2022 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File No. 001-39090 NOTIFICATION OF LATE FILING (Check One): ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ⌧ Form10-Q ☐ Form 10-D ☐ Form N-CEN ☐ Form N-CSR For Period Ended: September 30, 2022 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on

October 19, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 18, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 19, 2022 EX-99.1

 PROVIDENT BANCORP, INC. PROVIDES EARNINGS GUIDANCE FOR THE THIRD QUARTER OF 2022

FOR IMMEDIATE RELEASE ? ? ? ? ? ? Contact: Carol L. Houle ? Executive Vice President and ? Chief Financial Officer ? Telephone: (877) 487-2977 ? PROVIDENT BANCORP, INC. PROVIDES EARNINGS GUIDANCE FOR THE THIRD QUARTER OF 2022 ? Amesbury, Massachusetts, October 18, 2022 ? Provident Bancorp, Inc. (the ?Company?) (Nasdaq:PVBC), the holding company for BankProv (the ?Bank?), provided guidance with res

September 19, 2022 EX-99.1

Joint Filing Agreement dated September 19, 2022, among M3 Partners, LP, M3 Funds, LLC, M3F, Inc., Jason A. Stock and William C. Waller.

EX-99.1 2 fp0079750ex991.htm EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of Provident Bancorp, Inc. and further agree that this Joint Filing Agreeme

September 19, 2022 SC 13G

PVBC / Provident Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) Provident Bancorp, Inc (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) September 9, 2022 (Date of Event Which Requires Filing of This

August 12, 2022 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Exa

August 1, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

August 1, 2022 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the June 30, 2022 Quarter and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release ? 7/28/2022 ? Amesbury, Massachusetts ? Provident Bancorp, Inc. (the ?Company?) (NasdaqCM: PVBC), the holding company for The Provident Bank (the ?Bank?), reported net income for the quarter ended June 30, 2022 of $5.6 million, or $0.33 per dil

June 28, 2022 11-K

The accompanying notes are an integral part of these financial statements.

The accompanying notes are an integral part of these financial statements. 4 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 11-K ? ANNUAL REPORT ? PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. ? For the fiscal year ended December 31, 2021 ? OR ? [ ] TRANSITION REPORT PURSUANT

June 6, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 6, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 23, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 19, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 12, 2022 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Ex

May 2, 2022 S-3/A

As filed with the Securities and Exchange Commission on May 2, 2022

As filed with the Securities and Exchange Commission on May 2, 2022 Registration No.

May 2, 2022 EX-FILING FEES

Filing Fee Table

Calculation of Filing Fee Tables Form S-3 (Form Type) Provident Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities ? ? Security Type Security Class Title Fee Calculation Rule Amount Registered (1)(2) Proposed Maximum Aggregate Offering Price Per Share (1)(2) Maximum Aggregate Offering Price (1)(2)(3) Fee Rate Amount of Registration Fee (3) Equ

April 29, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

April 29, 2022 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the March 31, 2022 Quarter and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release ? 4/28/2022 ? Amesbury, Massachusetts ? Provident Bancorp, Inc. (the ?Company?) (NasdaqCM: PVBC), the holding company for The Provident Bank (the ?Bank?), reported net income for the quarter ended March 31, 2022 of $5.5 million, or $0.32 per d

April 22, 2022 S-3

Power of Attorney

As filed with the Securities and Exchange Commission on April 22, 2022 Registration No.

April 22, 2022 EX-4.3

Form of Indenture for Senior Debt Securities

PROVIDENT BANCORP, INC., AS ISSUER AND [ ], AS TRUSTEE SENIOR INDENTURE DATED AS OF [ ], 20[ ] SENIOR DEBT SECURITIES ? ? CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of [ ], 20[ ]. ? ? ? SECTION OF TRUST INDENTURE ACT SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) Not applica

April 22, 2022 EX-FILING FEES

Filing Fee Table

Calculation of Filing Fee Tables Form S-3 (Form Type) Provident Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities ? Security Type Security Class Title Fee Calculation Rule Amount Registered (1)(2) Proposed Maximum Aggregate Offering Price Per Share (1)(2) Maximum Aggregate Offering Price (1)(2)(3) Fee Rate Amount of Registration Fee (3) Equit

April 22, 2022 EX-4.4

Form of Indenture for Subordinated Debt Securities

? PROVIDENT BANCORP, INC., AS ISSUER AND [ ], AS TRUSTEE SUBORDINATED INDENTURE DATED AS OF [ ], 20[ ] SUBORDINATED DEBT SECURITIES ? CROSS-REFERENCE TABLE Reconciliation and tie between the Trust Indenture Act of 1939, as amended (the ?Trust Indenture Act?), and the Indenture dated as of [ ], 20[ ]. ? ? SECTION OF TRUST INDENTURE ACT SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4) N

April 19, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? ? Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a?6(e)(2)) ? D

March 30, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 30, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

March 24, 2022 10-K

Holding Company Regulation Federal Securities Laws Acquisition of the Company

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39090 PROVIDE

March 24, 2022 EX-10.23

Employment Agreement with Joseph Mancini†

EMPLOYMENT AGREEMENT This Employment Agreement (the ?Agreement?) is made as of the 22nd day of April, 2021 (the ?Effective Date?), by and between The Provident Bank, a state-chartered savings bank organized and existing under the laws of the Commonwealth of Massachusetts (the ?Bank?), and Joseph Mancini of Peabody, Massachusetts (the ?Executive?).

February 14, 2022 SC 13G/A

PVBC / Provident Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) PROVIDENT bancorp, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) December 31, 2021 (Date of Event Which Req

February 11, 2022 SC 13G

PVBC / Provident Bancorp, Inc. / PRINCIPAL FINANCIAL GROUP INC - 13G PROVIDENT BANCORP INC 123121 Passive Investment

CUSIP No. 74383L105 13G Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Provident Bancorp Inc (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 74383L105 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

February 3, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 3, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 28, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2022 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 28, 2022 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the December 31, 2021 Quarter and Year and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release ? 1/27/2022 ? Amesbury, Massachusetts ? Provident Bancorp, Inc. (the ?Company?) (NasdaqCM: PVBC), the holding company for The Provident Bank (the ?Bank?), reported net income for the three months ended December 31, 2021 of $3.6 mil

November 10, 2021 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc.

November 4, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

November 4, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 4, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

November 4, 2021 EX-10.1

Resignation, Separation Agreement and Full and Final Release of Claims with Charles F. Withee

EXHIBIT 10.1 RESIGNATION, SEPARATION AGREEMENT AND FULL AND FINAL RELEASE OF CLAIMS This Resignation, Separation Agreement and Full and Final Release of Claims (?Agreement?) is entered into between The Provident Bank (the ?Bank?) and Charles Withee (?you? or ?your?) (collectively, the ?Parties?) on October 29, 2021. Per our mutual understanding, your employment as President and Chief Lending Offic

November 2, 2021 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the September 30, 2021 Quarter and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release ? 10/28/2021 ? Amesbury, Massachusetts ? Provident Bancorp, Inc. (the ?Company?) (NasdaqCM: PVBC), the holding company for The Provident Bank (the ?Bank?), reported net income for the three months ended September 30, 2021 of $5.1 million,

November 2, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 28, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

August 12, 2021 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Exa

August 11, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 10, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incor

July 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 29, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpo

July 29, 2021 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the June 30, 2021 Quarter and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release ? 07/29/2021 ? Amesbury, Massachusetts ? Provident Bancorp, Inc. (the ?Company?) (NasdaqCM: PVBC), the holding company for The Provident Bank (the ?Bank?), reported net income for the three months ended June 30, 2021 of $3.2 million, or $0.18 p

June 29, 2021 11-K

SECURITIES AND EXCHANGE COMMISSION

? SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 11-K ? ANNUAL REPORT ? PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. ? For the fiscal year ended December 31, 2020 ? OR ? [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. ? For the transiti

June 17, 2021 8-K/A

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S.

May 24, 2021 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 20, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorpor

May 13, 2021 10-Q

SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Ex

May 7, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incor

April 22, 2021 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the March 31, 2021 Quarter and Continues Payment of Quarterly Cash Dividends of $0.04 per Share Company Release – 04/22/2021  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended March 31, 2021 of $4.3 million, or $0.24

April 22, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

April 19, 2021 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? ? Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a?6(e)(2)) ? D

March 29, 2021 EX-3

Amendment to Bylaws (2)

EXHIBIT 3 ? TEXT OF AMENDMENTS TO BYLAWS ? Article II, Section 12(a) of the Bylaws is amended to read as follows: Section 12.

March 29, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Empl

March 26, 2021 10-K

Annual Report - 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39090 PROVIDE

March 12, 2021 EX-99.1

 PROVIDENT BANCORP, INC. ADOPTS STOCK REPURCHASE PROGRAM

FOR IMMEDIATE RELEASE    Contact: Carol L. Houle  Executive Vice President and Chief Financial Officer  Telephone: (603) 334-1253   PROVIDENT BANCORP, INC. ADOPTS STOCK REPURCHASE PROGRAM  Amesbury, Massachusetts, March 12, 2021 — Provident Bancorp, Inc. (the “Company”) (Nasdaq:PVBC), the holding company for The Provident Bank (the “Bank”), today announced that its Board of Directors has a

March 12, 2021 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 12, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorp

February 24, 2021 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 19, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

February 12, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) PROVIDENT BANCORP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) December 31, 2020 (Date of Event Which Req

February 10, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment 1)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securiti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment 1)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 74383L 105 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the rul

January 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2021 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

January 29, 2021 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the December 31, 2020 Quarter and Year and Continues Payment of Quarterly Cash Dividends of $0.03 per Share Company Release – 01/28/2021  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended December 31, 2020 of $4.3 mi

December 23, 2020 EX-10.2

Amendment One to the Amended and Restated Supplemental Executive Retirement Agreement for Charles F. Withee† (incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-39090), filed under the Exchange Act on December 23, 2020)

AMENDMENT ONE TO THE AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN FOR CHARLES F.

December 23, 2020 EX-10.3

Deferred Cash Bonus Agreement with David P. Mansfield† (incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-39090), filed under the Exchange Act on December 23, 2020)

DEFERRED CASH BONUS AGREEMENT THIS DEFERRED CASH BONUS AGREEMENT (this “Agreement”) is entered into as of December 23, 2020 (the “Effective Date”) by and between The Provident Bank (the “Bank”) and David P.

December 23, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits - 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 17, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

December 23, 2020 EX-10.4

Employment Agreement with Charles F. Withee† (incorporated by reference to Exhibit 10.4 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-39090), filed under the Exchange Act on December 23, 2020)

EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made as of the 17th day of December, 2020 (the “Effective Date”), by and between The Provident Bank, a state-chartered savings bank organized and existing under the laws of the Commonwealth of Massachusetts (the “Bank”), and Charles F.

December 23, 2020 EX-10.1

Amendment One to the Amended and Restated Supplemental Executive Retirement Agreement for David P. Mansfield† (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K of Provident Bancorp, Inc. (File No. 001-39090), filed under the Exchange Act on December 23, 2020)

AMENDMENT ONE TO THE AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN FOR DAVID P.

November 25, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders - 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 23, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inc

November 23, 2020 EX-10.4

Form of Restricted Stock Award Agreement† (incorporated by reference to Exhibit 10.4 to the Registration Statement on Form S-8 (File No. 333-250886), filed with the Securities and Exchange Commission on November 23, 2020)

EXHIBIT 10.4 Restricted Stock Award Granted by PROVIDENT BANCORP, INC. under the PROVIDENT BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This restricted stock agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Provident Bancorp, Inc. (the “Company”) which are incorporated herein by reference and

November 23, 2020 S-8

- PROVIDENT BANCORP, INC. FORM S-8 NOVEMBER 23, 2020

Registration No. 333- As filed with the Securities and Exchange Commission on November 23, 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Provident Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 84-4132422 (State or Other Jurisdiction of (I.R.S. Employer Identification No.)

November 23, 2020 EX-10.3

Form of Non-Qualified Stock Options Award Agreement† (incorporated by reference to Exhibit 10.3 to the Registration Statement on Form S-8 (File No. 333-250886), filed with the Securities and Exchange Commission on November 23, 2020)

EXHIBIT 10.3 NON-QUALIFIED STOCK OPTION AWARD AGREEMENT Granted by PROVIDENT BANCORP, INC. under the PROVIDENT BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Provident Bancorp, Inc. (the “Company”), which are incorporated herein by reference an

November 23, 2020 EX-10.2

Form of Incentive Stock Option Award Agreement† (incorporated by reference to Exhibit 10.2 to the Registration Statement on Form S-8 (File No. 333-250886), filed with the Securities and Exchange Commission on November 23, 2020)

EXHIBIT 10.2 INCENTIVE STOCK OPTION AWARD AGREEMENT Granted by PROVIDENT BANCORP, INC. under the PROVIDENT BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Provident Bancorp, Inc. (the “Company”), which are incorporated herein by reference and ma

November 5, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc.

October 23, 2020 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

EX-99.1 2 pvbc-20201022xex991.htm EX-99.1 Provident Bancorp, Inc. Reports Earnings for the September 30, 2020 Quarter and Continues Payment of Quarterly Cash Dividends of $0.03 per Share Company Release – 10/22/2020  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months

October 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Completion of Acquisition or Disposition of Assets, Other Events - 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 20, 2020 EX-99.1

PROVIDENT BANCORP, INC. ADOPTS STOCK REPURCHASE PROGRAM

Exhibit 99.1 FOR IMMEDIATE RELEASE  Contact: Carol L. Houle Executive Vice President and Chief Financial Officer Telephone: (603) 334-1253  PROVIDENT BANCORP, INC. ADOPTS STOCK REPURCHASE PROGRAM  Amesbury, Massachusetts, October 19, 2020 — Provident Bancorp, Inc. (the “Company”) (Nasdaq:PVBC), the holding company for The Provident Bank (the “Bank”), today announced that its Board of Directors

October 20, 2020 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 19, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Inco

October 19, 2020 DEF 14A

Provident Bancorp, Inc. 2020 Equity Incentive Plan (incorporated by reference to Appendix A to the proxy statement for the Special Meeting of Shareholders of Provident Bancorp, Inc. (file no. 001-39090), filed by the Company under the Exchange Act on October 19, 2020)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a?6(e)(2)) ? Def

August 18, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Exa

August 10, 2020 EX-1

JOINT FILING AGREEMENT

EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of Provident Bancorp, Inc.

August 10, 2020 SC 13G

PVBC / Provident Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) PROVIDENT bancorp, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 74383L105 (CUSIP Number) July 31, 2020 (Date of Event Which Requires Filing of This Sta

July 22, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

? SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): July 17, 2020 ? PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) ? Maryland 001-39090 84-4132422 (State or Other Jurisdiction (Commission File No.) (I.R.S. Emplo

July 22, 2020 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Provident Bancorp, Inc. Reports Earnings for the June 30, 2020 Quarter and Initiates Payment of Quarterly Cash Dividends of $0.03 per Share Company Release – 7/17/2020  Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended June 30, 2020 of $3.3 million, or $0.18 pe

July 20, 2020 EX-99.1

 THE PROVIDENT BANK ANNOUNCES A REBRAND TO BANKPROV IN SUPPORT OF A GROWING NATIONWIDE PRESENCE

For Immediate Release Press Contact: Carie Kelly, VP Marketing Phone: (978) 834-8583 Email: ckelly@bankprov.

July 20, 2020 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): July 14, 2020 ? PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) ? ? Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Empl

June 29, 2020 11-K

- FORM 11-K

11-K 1 tm2023581d111k.htm FORM 11-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2019 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Fo

June 15, 2020 8-K

Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 11, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incorp

June 11, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 11, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incorp

May 12, 2020 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Exhibit 99.1 Provident Bancorp, Inc. Reports Earnings for the March 31, 2020 Quarter Company Release – 5/8/2020 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended March 31, 2020 of $1.2 million, or $0.07 per diluted share, compared to $2.2 million, or $0.12 per d

May 12, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 8, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incorpor

May 11, 2020 DEF 14A

- DEF 14A

? REVOCABLE PROXY SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

May 11, 2020 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc. (Ex

May 11, 2020 DEFA14A

- DEFA14A

? REVOCABLE PROXY SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 27, 2020 10-K/A

Annual Report - 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A AMENDMENT NO. 1 x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39090 PROVIDE

April 21, 2020 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incor

April 21, 2020 EX-99.1

PROVIDENT BANCORP, INC. INITIATES PAYMENT OF QUARTERLY CASH DIVIDENDS OF $0.03 PER SHARE AND ANNOUNCES DATE OF 2020 ANNUAL MEETING OF STOCKHOLDERS

EX-99.1 2 tm2016451d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 REVISED FOR IMMEDIATE RELEASE Contact: Carol L. Houle Executive Vice President and Chief Financial Officer Telephone: (603) 334-1253 PROVIDENT BANCORP, INC. INITIATES PAYMENT OF QUARTERLY CASH DIVIDENDS OF $0.03 PER SHARE AND ANNOUNCES DATE OF 2020 ANNUAL MEETING OF STOCKHOLDERS Amesbury, Massachusetts, April 17, 2020 — Provident Bancorp, I

March 30, 2020 EX-16.1

Letter from Whittlesey PC to the Securities and Exchange Commission dated March 30, 2020

Exhibit 16.1 Headquarters One Hamden Center 280 Trumbull St 2319 Whitney Ave, Suite 2A 24th Floor Hamden, CT 06518 Hartford, CT 06103 Tel: 203.397.2525 Tel: 860.522.3111 14 Bobala Road #3 www.WAdvising.com Holyoke, MA 01040 Tel: 413.536.3970 March 30, 2020 Securities and Exchange Commission Washington, D.C. 20549-7561 Commissioners: We have read Provident Bancorp, Inc.’s statements included under

March 30, 2020 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incor

March 16, 2020 EX-99.1

PROVIDENT BANCORP, INC. ANNOUNCES INTENTION TO PAY QUARTERLY CASH DIVIDENDS AND TO ADOPT STOCK REPURCHASE PROGRAM

EX-99.1 2 tm2012756d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Carol L. Houle Executive Vice President and Chief Financial Officer Telephone: (603) 334-1253 PROVIDENT BANCORP, INC. ANNOUNCES INTENTION TO PAY QUARTERLY CASH DIVIDENDS AND TO ADOPT STOCK REPURCHASE PROGRAM Amesbury, Massachusetts, March 12, 2020 — Provident Bancorp, Inc. (the “Company”) (Nasdaq:PVBC), the ho

March 16, 2020 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 12, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incor

March 13, 2020 10-K

PVBC / Provident Bancorp, Inc. 10-K - Annual Report - 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from                 to                  Commissi

March 13, 2020 EX-4.2

Description of registrant’s securities (incorporated by reference to Exhibit 4.2 to the Annual Report on Form 10-K of Provident Bancorp, Inc. for the year ended December 31, 2019 (file no. 001-39090), filed by the Company under the Exchange Act on March 13, 2020

EX-4.2 2 tm205360d1ex4-2.htm EXHIBIT 4.2 Exhibit 4.2 Description of Registrant’s Securities Unless otherwise indicated or the context otherwise requires, references in this Exhibit 4.2 to “we, “us” and “our” refer collectively to Provident Bancorp, Inc. and The Provident Bank or to any of those entities, depending on the context. In addition, we may refer to Provident Bancorp, Inc. as “Provident B

February 14, 2020 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.)* Provident Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 74383L 105 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the r

January 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 22, 2020 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 84-4132422 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Inc

January 27, 2020 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Exhibit 99.1 Provident Bancorp, Inc. Reports Earnings for the December 31, 2019 Quarter and Year Company Release – 01/23/2020 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended December 31, 2019 of $2.6 million, or $0.14 per diluted share, compared to $2.8 millio

January 27, 2020 EX-99.2

The Provident Bank Acquires ResX Warehouse Lending Portfolio

Exhibit 99.2 For Immediate Release Press Contact: Carie Kelly, VP Marketing Phone: (978) 834-8583 Email: [email protected] The Provident Bank Acquires ResX Warehouse Lending Portfolio (PORTSMOUTH, NH, January 22, 2020) – The Provident Bank has entered the Warehouse Lending business by acquiring United Bank's legacy ResX Warehouse Lending portfolio from People's United Bank, N.A. on Janua

December 19, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 19, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 Applied For (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of I

November 8, 2019 10-Q

PVBC / Provident Bancorp, Inc. 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-39090 Provident Bancorp, Inc.

October 31, 2019 S-8

PVBC / Provident Bancorp, Inc. S-8 - - PROVIDENT BANCORP, INC. FORM S-8 OCTOBER 31, 2019

Registration No. 333- As filed with the Securities and Exchange Commission on October 31, 2019 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Provident Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland Applied For (State or Other Jurisdiction of (I.R.S. Employer Identification No.)

October 31, 2019 S-8

PVBC / Provident Bancorp, Inc. S-8 - - PROVIDENT BANCORP, INC. FORM S-8 SBERA 401(K) PLAN OCTOBER 31, 2019

Registration No. 333- As filed with the Securities and Exchange Commission on October 31, 2019 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Provident Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland Applied for (State or Other Jurisdiction of Incorporation or Organization) (I.R.

October 22, 2019 EX-99.1

Provident Bancorp, Inc. Consolidated Balance Sheet

Exhibit 99.1 Provident Bancorp, Inc. Reports Earnings for the September 30, 2019 Quarter Company Release – 10/17/2019 Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended September 30, 2019 of $3.5 million, or $0.37 per diluted share, compared to $2.1 million, or $

October 22, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 17, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39090 Applied For (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of In

October 17, 2019 EX-99.2

PROVIDENT BANCORP, INC. ANNOUNCES COMPLETION OF STOCK OFFERING AND RELATED CONVERSION

EX-99.2 3 ex99-28k101119.htm PRESS RELEASE DATED OCTOBER 16, 2019 EXHIBIT 99.2 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ANNOUNCES COMPLETION OF STOCK OFFERING AND RELATED CONVERSION Amesbury, Massachusetts, October 16, 2019 — Provident Bancorp, Inc. (the “Company”) announced today that Provident Bancor

October 17, 2019 EX-99.1

PROVIDENT BANCORP, INC. ANNOUNCES RESULTS OF STOCK OFFERING AND EXPECTED CLOSING DATE

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ANNOUNCES RESULTS OF STOCK OFFERING AND EXPECTED CLOSING DATE Amesbury, Massachusetts, October 11, 2019 — Provident Bancorp, Inc. (the “Company”), the stock holding company of The Provident Bank, announced today that it has received all required reg

October 17, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 11, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 Applied For (State or Other Jurisdiction of Incorporation) (Commission

October 16, 2019 8-A12B

PVBC / Provident Bancorp, Inc. 8-A12B - - PROVIDENT BANCORP, INC. /MD/

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Provident Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland Applied For (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No

September 26, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 25, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 Applied For (State or Other Jurisdiction of Incorporation) (Commissio

September 18, 2019 EX-99.2

PROVIDENT BANCORP, INC. ENDS COMMUNITY OFFERING

Exhibit 99.2 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ENDS COMMUNITY OFFERING Amesbury, Massachusetts, September 17, 2019 — Provident Bancorp, Inc. (the “Company”), the stock holding company of The Provident Bank, announced today that Provident Bancorp, Inc., a newly formed Maryland corporation (“New P

September 18, 2019 EX-99.1

PROVIDENT BANCORP, INC. TO COMMENCE COMMUNITY OFFERING

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. TO COMMENCE COMMUNITY OFFERING Amesbury, Massachusetts, September 12, 2019 — Provident Bancorp, Inc. (the “Company”), the stock holding company of The Provident Bank, announced today that Provident Bancorp, Inc., a newly formed Maryland corporation

September 18, 2019 8-K

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 12, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 Applied For (State or Other Jurisdiction of Incorporation) (Commission File No.) (I

September 18, 2019 EX-99.1

PROVIDENT BANCORP, INC. TO COMMENCE COMMUNITY OFFERING

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. TO COMMENCE COMMUNITY OFFERING Amesbury, Massachusetts, September 12, 2019 — Provident Bancorp, Inc. (the “Company”), the stock holding company of The Provident Bank, announced today that Provident Bancorp, Inc., a newly formed Maryland corporation

September 18, 2019 EX-99.2

PROVIDENT BANCORP, INC. ENDS COMMUNITY OFFERING

Exhibit 99.2 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ENDS COMMUNITY OFFERING Amesbury, Massachusetts, September 17, 2019 — Provident Bancorp, Inc. (the “Company”), the stock holding company of The Provident Bank, announced today that Provident Bancorp, Inc., a newly formed Maryland corporation (“New P

September 18, 2019 425

PVBC / Provident Bancorp, Inc. 425 - Merger Prospectus - FORM 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 12, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 Applied For (State or Other Jurisdiction of Incorporation) (Commission File No.) (I

September 17, 2019 425

PVBC / Provident Bancorp, Inc. 425 - Merger Prospectus - 425

Filed by Provident Bancorp, Inc. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Provident Bancorp, Inc. File No. 001-37504 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ENDS COMMUNITY OFFERING Amesbury, Massachusetts, September 17, 2019 — Provident Bancorp, Inc. (the “Company”), the

September 12, 2019 425

PVBC / Provident Bancorp, Inc. 425 - Merger Prospectus - 425

Filed by Provident Bancorp, Inc. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Provident Bancorp, Inc. File No. 001-37504 FOR IMMEDIATE RELEASE Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. TO COMMENCE COMMUNITY OFFERING Amesbury, Massachusetts, September 12, 2019 — Provident Bancorp, Inc. (the “Company”

August 16, 2019 425

PVBC / Provident Bancorp, Inc. 425 - Merger Prospectus - 425

FOR IMMEDIATE RELEASE Filed by Provident Bancorp, Inc. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Provident Bancorp, Inc. File No. 001-37504 Contact: David P. Mansfield President and Chief Executive Officer Telephone: (603) 334-1250 PROVIDENT BANCORP, INC. ANNOUNCES COMMENCEMENT OF STOCK OFFERING Amesbury, Massachusetts, August 16, 2019 — Provident Bancorp, Inc. (the “C

August 16, 2019 424B3

(Proposed Holding Company for The Provident Bank) Up to 13,225,000 Shares of Common Stock

Filed Pursuant to Rule 424(b)(3) Registration No. 333-232018 SUBSCRIPTION AND COMMUNITY OFFERING PROSPECTUS (Proposed Holding Company for The Provident Bank) Up to 13,225,000 Shares of Common Stock Provident Bancorp, Inc., a newly formed Maryland corporation that we refer to as “New Provident” throughout this prospectus, is offering up to 13,225,000 shares of common stock for sale at $10.00 per sh

August 16, 2019 424B3

PROSPECTUS OF PROVIDENT BANCORP, INC., A MARYLAND CORPORATION PROXY STATEMENT OF PROVIDENT BANCORP, INC., A MASSACHUSETTS CORPORATION

Filed Pursuant to Rule 424(b)(3) Registration No. 333-232018 Dear Fellow Stockholder: Provident Bancorp, Inc. is soliciting stockholder votes regarding the mutual-to-stock conversion of Provident Bancorp. Pursuant to a Plan of Conversion, our organization will convert from a partially public company to a fully public company by selling a minimum of 9,775,000 shares of common stock of a newly forme

August 16, 2019 424B3

SBERA 401(k) PLAN AS ADOPTED BY THE PROVIDENT BANK Offering of Participation Interests in up to 1,706,369 Shares of PROVIDENT BANCORP, INC. Common Stock

Filed Pursuant to Rule 424(b)(3) Registration No. 333-232018 Prospectus Supplement SBERA 401(k) PLAN AS ADOPTED BY THE PROVIDENT BANK Offering of Participation Interests in up to 1,706,369 Shares of PROVIDENT BANCORP, INC. Common Stock Provident Bancorp, Inc., a new Maryland corporation, is offering shares of common stock for sale at $10.00 per share in connection with the conversion of Provident

August 12, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 7, 2019 PROVIDENT BANCORP, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-232018 Applied For (State or Other Jurisdiction of Incorporation) (Commission File No.) (I.R.S

August 12, 2019 EX-1.1

Agency Agreement dated August 7, 2019, by and among the Company, Old Provident, The Provident Bank and the MHC and Sandler (exhibits omitted)

EX-1.1 2 tv527173ex1-1.htm EXHIBIT 1.1 Exhibit 1.1 Execution Version Up to 13,225,000 Shares Provident Bancorp, Inc. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT August 7, 2019 Sandler O’Neill & Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, New York 10020 Ladies and Gentlemen: Provident Bancorp, Inc., a newly formed Maryland corporation (the “

August 5, 2019 CORRESP

PVBC / Provident Bancorp, Inc. CORRESP - -

PROVIDENT BANCORP, INC. 5 Market Street Amesbury, Massachusetts 01913 August 5, 2019 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Provident Bancorp, Inc. Registration Statement on Form S-1 (Registration Number 333-232018) Request for Acceleration of Effectiveness Ladies and Gentlemen: Provident Bancorp, Inc., a Maryland corporation (the “Company”), her

August 5, 2019 CORRESP

PVBC / Provident Bancorp, Inc. CORRESP - -

[LETTERHEAD OF SANDLER O’NEILL & PARTNERS] August 5, 2019 Via Edgar Securities and Exchange Commission 100 F Street, N.

August 2, 2019 S-1/A

PVBC / Provident Bancorp, Inc. S-1/A - - FORM S-1/A

As filed with the Securities and Exchange Commission on August 2, 2019 Registration No.

July 24, 2019 EX-1.2

Form of Agency Agreement between The Provident Bank, Provident Bancorp, Inc., Provident Bancorp and Sandler O’Neill & Partners, L.P.

EX-1.2 2 tv525519ex1-2.htm EXHIBIT 1.2 Exhibit 1.2 Up to 13,225,000 Shares Provident Bancorp, Inc. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT , 2019 Sandler O’Neill & Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, New York 10020 Ladies and Gentlemen: Provident Bancorp, Inc., a newly formed Maryland corporation (the “Company”), Provident Banco

July 24, 2019 EX-2

Plan of Conversion

EX-2 3 tv525519ex2.htm EXHIBIT 2 Exhibit 2 PROVIDENT BANCORP PLAN OF CONVERSION Adopted by the Board of Trustees on June 5, 2019 Amended July 11, 2019 TABLE OF CONTENTS ARTICLE 1. INTRODUCTION—BUSINESS PURPOSE 1 ARTICLE 2. DEFINITIONS 3 ARTICLE 3. GENERAL PROCEDURE FOR CONVERSION 11 3.1. Preconditions to Conversion 11 3.2. Submission of Plan to Commissioner and FRB 11 3.3. Special Meeting of Corpo

July 24, 2019 S-1/A

As filed with the Securities and Exchange Commission on July 24, 2019

As filed with the Securities and Exchange Commission on July 24, 2019 Registration No.

July 24, 2019 EX-99.7

Form of Provident Bancorp, Inc. Stockholder Proxy Card

Exhibit 99.7 REVOCABLE PROXY PROVIDENT BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS SEPTEMBER 25, 2019 The undersigned hereby appoints the proxy committee of the Board of Directors of Provident Bancorp, Inc., with full powers of substitution, to act as attorneys and proxies for the undersigned to vote all shares of common stock of Provident Bancorp, Inc. that the undersigned is entitled to vote a

July 24, 2019 CORRESP

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 Wisconsin Avenue, NW, Suite 780 Washington, D.C. 20015 Telephone (202) 274-2000 Facsimile (202) 362-2902

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 Wisconsin Avenue, NW, Suite 780 Washington, D.

June 7, 2019 EX-99.7

Form of Provident Bancorp, Inc. Stockholder Proxy Card

Exhibit 99.7 REVOCABLE PROXY PROVIDENT BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS , 2019 The undersigned hereby appoints the proxy committee of the Board of Directors of Provident Bancorp, Inc., with full powers of substitution, to act as attorneys and proxies for the undersigned to vote all shares of common stock of Provident Bancorp, Inc. that the undersigned is entitled to vote at the Specia

June 7, 2019 EX-99.3

Appraisal Report of RP Financial, LC.*

Exhibit 99.3 May 10, 2019 Board of Trustees Provident Bancorp Board of Directors Provident Bancorp, Inc. The Provident Bank 5 Market Street Amesbury, Massachusetts 01913 Members of the Boards of Trustees and Directors: At your request, we have completed and hereby provide an independent appraisal ("Appraisal") of the estimated pro forma market value of the common stock which is to be issued in con

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