PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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