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Providence Bank & Trust

South Holland, IL · Cert 57754 · Providence Financial Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

42

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

Providence Bank & Trust

South Holland, IL · Cert 57754 · Providence Financial Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.3BDeposits
$194.6MEquity
Loan mix
86%RE $973.4M14%C&I $154.5M0%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $993.1M26%Noninterest $353.2MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.85%Q2 ’255.39%Q2 ’26+11%+28%

Non-interest income vs. expense

2.19%Q2 ’242.32%Q2 ’252.36%Q2 ’26+10%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.2% share · #47 of 147 inst. · $1.3B of $630.7B

0.2% Cook
1.8% Lake
0.5% DuPage
0.3% Will

Executive Summary

  • Earnings: ROA of 1.64%, up 71 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.01% of loans (-47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.50%, up 11 bps from a year ago.
  • Funding: loans stand at 80.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+71 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+90 bps YoY

Efficiency Ratio (YTD, annualized)

51.28%-1,028 bps YoY

Tier 1 Leverage Ratio

11.50%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%-0.89%-0.19%1.62%1.64%+71 bps
Return on Equity9.07%-8.54%-1.79%13.65%13.58%+451 bps
Net Interest Margin3.21%3.36%3.59%3.97%4.11%+90 bps
Efficiency Ratio61.56%56.41%52.01%52.13%51.28%-1,028 bps
Non-Interest Burden1.89%1.79%1.73%1.93%1.93%+3 bps
Growth
Asset Growth (YoY)-3.31%-2.48%-3.90%-2.09%0.96%+426 bps
Loan Growth (YoY)-0.60%-0.30%1.69%3.56%0.12%+72 bps
Deposit Growth (YoY)-1.76%-1.65%-4.12%-1.78%0.36%+212 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.39%0.02%0.01%0.01%-47 bps
Net Charge-Offs / Loans0.21%0.15%0.22%0.00%0.00%-21 bps
Allowance / Loans1.62%1.58%1.48%1.42%1.48%-14 bps
Allowance Coverage of NPLs3.4x4.0x65.3x113.0x193.5x+190.1x
Capital
Tier 1 Leverage Ratio11.39%10.22%10.77%11.04%11.50%+11 bps
Total Risk-Based Capital11.39%10.22%10.77%11.04%11.50%+11 bps
Equity / Assets10.87%10.99%11.66%12.05%12.49%+162 bps
Liquidity & Funding
Loans / Deposits80.89%79.95%81.16%83.67%80.70%-20 bps
Liquid Assets / Assets0.69%16.85%18.07%14.61%13.56%+1,287 bps
CRE / Total Capitaln/a555%527%520%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

Providence Bank & Trust

South Holland, IL · Cert 57754 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Providence Financial Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.3BDeposits
$194.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
  • Widest gap: total risk-based capital ratio trails 81% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 25 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.64%

Rank 8 of 31

Net Interest Margin

4.11%

Rank 3 of 31

Efficiency Ratio

52.56%

Rank 19 of 31

Equity / Assets

12.49%

Rank 5 of 31

Non-interest income vs. expense

$6.8M$37.1MINCOMEEXPENSE
Unfavorable gap of $30.3M · efficiency ratio beats 42% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 52.56%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%1.15%1.39%1.64%Beats 74%8 / 31
Return on Equity13.16%11.05%13.35%16.66%Beats 42%18 / 31
Net Interest Margin4.11%3.00%3.28%3.75%Beats 90%3 / 31
Efficiency Ratio52.56%37.25%50.71%61.60%Beats 42%19 / 31
Asset Quality
Nonperforming Loans / Loans0.01%0.18%0.41%1.00%Beats 100%1 / 31
Net Charge-Offs / Loans0.00%0.00%0.04%0.11%Beats 100%4 / 31
Capital
Tier 1 Capital Ratio11.50%10.88%11.50%13.72%Beats 48%16 / 31
Total Risk-Based Capital Ratio11.50%11.53%12.02%14.77%Beats 19%25 / 31
Equity / Assets12.49%8.90%10.15%11.24%Beats 84%5 / 31
Liquidity & Funding
Loans / Deposits80.70%80.56%87.67%94.53%26th pctl23 / 31
Loans / Assets69.70%67.81%73.77%76.85%29th pctl22 / 31
Brokered Deposits / Depositsn/aNot reported for this institution