South Holland, IL · Cert 57754 · Providence Financial Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.2% share · #47 of 147 inst. · $1.3B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.10% | 0.88% | 0.97% | -4.59% | 1.92% | 1.62% | 1.66% | +68 bps | |
| Return on Equity | 8.69% | 11.31% | 8.88% | 9.21% | -42.02% | 16.95% | 13.65% | 13.53% | +431 bps | |
| Net Interest Margin | 2.91% | 3.00% | 3.07% | 3.24% | 3.65% | 4.24% | 3.97% | 4.24% | +99 bps | |
| Efficiency Ratio | 63.40% | 62.46% | 62.35% | 60.79% | 47.23% | 41.46% | 52.13% | 50.50% | -1,028 bps | |
| Non-Interest Burden | 1.77% | 1.79% | 1.84% | 1.88% | 1.58% | 1.54% | 1.93% | 1.92% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 2.29% | 0.26% | -3.31% | -2.48% | -3.90% | -2.09% | 0.96% | +426 bps | |
| Loan Growth (YoY) | 4.74% | 3.00% | 3.44% | -0.60% | -0.30% | 1.69% | 3.56% | 0.12% | +72 bps | |
| Deposit Growth (YoY) | 3.72% | 4.31% | 0.21% | -1.76% | -1.65% | -4.12% | -1.78% | 0.36% | +212 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.66% | 0.56% | 0.47% | 0.39% | 0.02% | 0.01% | 0.01% | -47 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | 0.00% | 0.42% | 0.05% | 0.43% | 0.00% | 0.00% | -42 bps | |
| Allowance / Loans | 1.65% | 1.70% | 1.71% | 1.62% | 1.58% | 1.48% | 1.42% | 1.48% | -14 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 3.0x | 3.4x | 4.0x | 65.3x | 113.0x | 193.5x | +190.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.37% | 10.73% | 11.39% | 10.22% | 10.77% | 11.04% | 11.50% | +11 bps | |
| Total Risk-Based Capital | 10.32% | 10.37% | 10.73% | 11.39% | 10.22% | 10.77% | 11.04% | 11.50% | +11 bps | |
| Equity / Assets | 9.90% | 9.59% | 10.29% | 10.87% | 10.99% | 11.66% | 12.05% | 12.49% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.87% | 76.52% | 79.36% | 80.89% | 79.95% | 81.16% | 83.67% | 80.70% | -20 bps | |
| Liquid Assets / Assets | 0.78% | 2.79% | 0.79% | 0.69% | 16.85% | 18.07% | 14.61% | 13.56% | +1,287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 555% | 527% | 520% | n/a | n/a | |