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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

$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

4.44%Q2 ’244.59%Q2 ’254.71%Q2 ’26+7%+9%

Non-interest income vs. expense

2.22%Q2 ’242.42%Q2 ’252.56%Q2 ’26+11%+7%

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 0.78%, up 20 bps year over year; NIM at 3.16%.
  • 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 (quarter, annualized)

0.78%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.16%+26 bps YoY

Efficiency Ratio (quarter, annualized)

74.07%-161 bps YoY

Tier 1 Leverage Ratio

10.30%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.61%0.54%0.50%0.78%+20 bps
Return on Equity5.85%6.28%5.65%5.14%7.77%+192 bps
Net Interest Margin2.90%2.97%3.00%3.08%3.16%+26 bps
Efficiency Ratio75.68%75.31%77.98%74.37%74.07%-161 bps
Non-Interest Burden2.12%2.17%2.28%2.22%2.26%+14 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