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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