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Provident Savings Bank, F.S.B.

Riverside, CA · Cert 30879 · Provident Finl Holdings Inc.

State savings bank · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

97

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Provident Savings Bank, F.S.B.

Riverside, CA · Cert 30879 · Provident Finl Holdings Inc.

State savings bank · OCC · 14 branches

Q2 2026

$1.2BAssets
$1.0BLoans
$916.8MDeposits
$122.8MEquity
Loan mix
100%RE $1.0B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $826.3M10%Noninterest $90.5MQ2 2025Q2 2026

NIM

4.42%Q2 ’244.64%Q2 ’254.70%Q2 ’26+8%+6%

Non-interest income vs. expense

2.23%Q2 ’242.45%Q2 ’252.54%Q2 ’26+12%+4%

Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 1.2% share · #14 of 36 inst. · $0.9B of $79.7B

2.0% Riverside
0.2% San Bernardino

Executive Summary

  • Earnings: ROA of 0.64%, up 2 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.05% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.30%, up 19 bps from a year ago.
  • Funding: loans stand at 113.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+18 bps YoY

Efficiency Ratio (YTD, annualized)

74.22%-149 bps YoY

Tier 1 Leverage Ratio

10.30%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.62%0.60%0.50%0.64%+2 bps
Return on Equity6.28%6.33%6.14%5.14%6.46%+18 bps
Net Interest Margin2.95%2.98%3.01%3.08%3.14%+18 bps
Efficiency Ratio75.71%75.57%76.17%74.37%74.22%-149 bps
Non-Interest Burden2.16%2.18%2.22%2.22%2.25%+9 bps
Growth
Asset Growth (YoY)-2.09%-2.11%-2.16%-3.38%-3.01%-92 bps
Loan Growth (YoY)-0.74%-0.70%-1.63%-2.81%-1.30%-55 bps
Deposit Growth (YoY)0.05%1.44%0.68%-0.96%2.42%+237 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.18%0.10%0.10%0.05%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.55%0.54%0.57%0.56%-5 bps
Allowance Coverage of NPLs4.6x3.1x5.6x6.0x11.4x+6.8x
Capital
Tier 1 Leverage Ratio10.11%9.55%9.79%9.98%10.30%+19 bps
Total Risk-Based Capital20.50%19.09%19.56%19.96%20.34%-16 bps
Equity / Assets10.05%9.49%9.65%9.87%10.16%+11 bps
Liquidity & Funding
Loans / Deposits117.54%117.74%117.98%114.89%113.27%-426 bps
Liquid Assets / Assets12.46%11.94%11.98%11.86%10.88%-158 bps
CRE / Total Capitaln/a419%407%399%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Provident Savings Bank, F.S.B.

Riverside, CA · Cert 30879 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Provident Finl Holdings Inc.

State savings bank · OCC · 14 branches

Q2 2026

$1.2BAssets
$1.0BLoans
$916.8MDeposits
$122.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: return on assets trails 90% of banks $1B-$10B in assets operating in a single state (rank 231 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.64%

Rank 231 of 258

Net Interest Margin

3.14%

Rank 195 of 258

Efficiency Ratio

74.22%

Rank 217 of 257

Equity / Assets

10.16%

Rank 134 of 258

Non-interest income vs. expense

$3.5M$30.3MINCOMEEXPENSE
Unfavorable gap of $26.9M · efficiency ratio beats 16% of banks $1B-$10B in assets operating in a single state
Bank 74.22%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.93%1.23%1.54%Beats 10%231 / 258
Return on Equity6.34%9.26%11.84%14.74%Beats 12%228 / 258
Net Interest Margin3.14%3.16%3.49%3.88%Beats 24%195 / 258
Efficiency Ratio74.22%51.71%60.30%69.65%Beats 16%217 / 257
Asset Quality
Nonperforming Loans / Loans0.05%0.19%0.46%0.90%Beats 93%19 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio19.41%11.41%12.98%15.12%Beats 92%21 / 258
Total Risk-Based Capital Ratio20.34%12.10%13.91%16.08%Beats 92%20 / 258
Equity / Assets10.16%9.09%10.24%11.72%Beats 48%134 / 258
Liquidity & Funding
Loans / Deposits113.27%73.24%86.34%95.95%95th pctl12 / 258
Loans / Assets85.96%63.01%72.27%78.40%96th pctl11 / 258
Brokered Deposits / Depositsn/aNot reported for this institution