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
Unfavorable gap of $26.9M · efficiency ratio beats 16% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.93% | 1.23% | 1.54% | Beats 10% | 231 / 258 | |
| Return on Equity | 6.34% | 9.26% | 11.84% | 14.74% | Beats 12% | 228 / 258 | |
| Net Interest Margin | 3.14% | 3.16% | 3.49% | 3.88% | Beats 24% | 195 / 258 | |
| Efficiency Ratio | 74.22% | 51.71% | 60.30% | 69.65% | Beats 16% | 217 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.46% | 0.90% | Beats 93% | 19 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 19.41% | 11.41% | 12.98% | 15.12% | Beats 92% | 21 / 258 | |
| Total Risk-Based Capital Ratio | 20.34% | 12.10% | 13.91% | 16.08% | Beats 92% | 20 / 258 | |
| Equity / Assets | 10.16% | 9.09% | 10.24% | 11.72% | Beats 48% | 134 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 113.27% | 73.24% | 86.34% | 95.95% | 95th pctl | 12 / 258 | |
| Loans / Assets | 85.96% | 63.01% | 72.27% | 78.40% | 96th pctl | 11 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |