Riverside, CA · Cert 30879 · Provident Finl Holdings Inc.
State savings bank · OCC · 14 branches
Q2 2026
Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 1.2% share · #14 of 36 inst. · $0.9B of $79.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.55% | 0.65% | 0.62% | 0.62% | 0.60% | 0.50% | 0.64% | +2 bps | |
| Return on Equity | 6.45% | 5.74% | 6.72% | 6.28% | 6.33% | 6.14% | 5.14% | 6.46% | +18 bps | |
| Net Interest Margin | 2.77% | 2.81% | 2.97% | 2.95% | 2.98% | 3.01% | 3.08% | 3.14% | +18 bps | |
| Efficiency Ratio | 74.62% | 75.71% | 75.73% | 75.71% | 75.57% | 76.17% | 74.37% | 74.22% | -149 bps | |
| Non-Interest Burden | 1.99% | 2.06% | 2.18% | 2.16% | 2.18% | 2.22% | 2.22% | 2.25% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.24% | -3.55% | -2.32% | -2.09% | -2.11% | -2.16% | -3.38% | -3.01% | -92 bps | |
| Loan Growth (YoY) | -2.30% | -2.05% | -0.68% | -0.74% | -0.70% | -1.63% | -2.81% | -1.30% | -55 bps | |
| Deposit Growth (YoY) | -7.18% | -4.84% | -0.82% | 0.05% | 1.44% | 0.68% | -0.96% | 2.42% | +237 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.24% | 0.13% | 0.13% | 0.18% | 0.10% | 0.10% | 0.05% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.66% | 0.62% | 0.61% | 0.55% | 0.54% | 0.57% | 0.56% | -5 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.8x | 4.7x | 4.6x | 3.1x | 5.6x | 6.0x | 11.4x | +6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.63% | 9.81% | 9.85% | 10.11% | 9.55% | 9.79% | 9.98% | 10.30% | +19 bps | |
| Total Risk-Based Capital | 19.35% | 19.67% | 20.03% | 20.50% | 19.09% | 19.56% | 19.96% | 20.34% | -16 bps | |
| Equity / Assets | 9.54% | 9.65% | 9.78% | 10.05% | 9.49% | 9.65% | 9.87% | 10.16% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.28% | 120.75% | 117.07% | 117.54% | 117.74% | 117.98% | 114.89% | 113.27% | -426 bps | |
| Liquid Assets / Assets | 13.20% | 12.60% | 12.50% | 12.46% | 11.94% | 11.98% | 11.86% | 10.88% | -158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 419% | 407% | 399% | n/a | n/a | |