BlastPoint

BlastPoint's Banking Scorecard

Provident Savings Bank, F.S.B.

$1B-$10B Specialty: Commercial CA FDIC cert 30879

Designations: ✓ Community bank

Riverside, CA

14 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Provident Savings Bank, F.S.B. has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 49.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.5% in tier
  • - Liquidity Strain: Bottom 30.8% in tier
  • - Return on Assets 0.86% below tier average
  • - Net Interest Margin 0.68% below tier average
  • - Efficiency Ratio 13.31% above tier average
Get updates when Provident Savings Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $1.2B
-3.4% YoY -0.8% QoQ
-$1.6B $2.8B
-0.1% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
18%
Total Loans ? $1.0B
-2.8% YoY -0.8% QoQ
-$935.2M $2.0B
+0.6% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
32%
Total Deposits ? $901.4M
-1.0% YoY +1.9% QoQ
-$1.4B $2.3B
-0.3% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
Bottom 6.8% in tier
Return on Assets ? 0.50%
-23.2% YoY -16.1% QoQ
-0.86% 1.37%
+19.6% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
Bottom 9.0% in tier
Net Interest Margin ? 3.14%
+2.7% YoY +3.6% QoQ
-0.68% 3.82%
+6.9% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
22%
Efficiency Ratio ? 74.37%
-1.8% YoY -2.4% QoQ
+13.31% 61.06%
-4.6% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
16%
Delinquency Rate ? 0.10%
-26.7% YoY -0.4% QoQ
-0.79% 0.89%
+14.1% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
Top 11.2% in tier
Loan-to-Deposit Ratio ? 114.23%
-1.8% YoY -2.7% QoQ
+30.02% 84.20%
+0.3% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ? 9.64%
-5.2% YoY +8.0% QoQ
-11.65% 21.29%
-2.5% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
Bottom 11.0% in tier
Nonperforming Asset Ratio ? 0.08%
-26.2% YoY -0.4% QoQ
-0.59% 0.67%
+15.6% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
Top 11.7% in tier
Tier 1 Capital Ratio ? 19.01%
-0.0% YoY +1.8% QoQ
+3.85% 15.16%
+2.0% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
Top 9.3% in tier
Non-Interest Income / Assets ? 0.07%
-1.5% YoY -75.7% QoQ
-0.19% 0.26%
+1.6% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#109 of 220 • Top 49.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#21 of 174 • Bottom 11.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.01%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 114.23%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#104 of 334 • Bottom 30.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 114.23%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

83
Tier 1 Capital Ratio
capital
Value: 19.01%
Peer Median: 15.16%
#83 of 884 Top 9.3% in $1B-$10B
100
Delinquency Rate
credit_quality
Value: 0.10%
Peer Median: 0.89%
#100 of 880 Top 11.2% in $1B-$10B
104
Nonperforming Asset Ratio
credit_quality
Value: 0.08%
Peer Median: 0.67%
#104 of 884 Top 11.7% in $1B-$10B

Top Weaknesses (8 metrics)

855
Loan-to-Deposit Ratio
liquidity
Value: 114.23%
Peer Median: 84.20%
#855 of 884 Bottom 3.4% in $1B-$10B
825
Total Deposits
size
Value: $901.39M
Peer Median: $2.34B
#825 of 884 Bottom 6.8% in $1B-$10B
805
Return on Assets
profitability
Value: 0.50%
Peer Median: 1.37%
#805 of 884 Bottom 9.0% in $1B-$10B
788
Non-Interest-Bearing Deposit Share
funding
Value: 9.64%
Peer Median: 21.29%
#788 of 884 Bottom 11.0% in $1B-$10B
746
Efficiency Ratio
profitability
Value: 74.37%
Peer Median: 61.06%
#746 of 884 Bottom 15.7% in $1B-$10B
728
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.26%
#728 of 884 Bottom 17.8% in $1B-$10B
727
Total Assets
size
Value: $1.22B
Peer Median: $2.82B
#727 of 884 Bottom 17.9% in $1B-$10B
688
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.82%
#688 of 884 Bottom 22.3% in $1B-$10B
Powered by BlastPoint © 2026