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Provident Savings Bank, F.S.B.

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

Designations: ✓ Community bank

Riverside, CA

14 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +2.4% year over year ($916.8M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.64%.
  • Efficiency ratio 74.22% vs a 59.73% peer average.
  • Loan-to-deposit ratio 112.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

Provident Savings Bank, F.S.B. has 2 strengths 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

  • + Delinquency Rate 0.82% below tier average
  • + Nonperforming Asset Ratio 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.7% in tier
  • - Liquidity Strain: Bottom 44.0% in tier
  • - ROA 0.75% below tier average
  • - Net Interest Margin 0.69% below tier average
  • - Efficiency Ratio 14.49% above tier average
Get updates when Provident Savings Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $1.2B
-3.0% YoY -0.8% QoQ
-$1.6B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $1.0B
-1.2% YoY +0.3% QoQ
-$930.5M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $916.8M
+2.4% YoY +1.7% QoQ
-$1.4B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 9.3% in tier
Return on Assets ? 0.64%
+3.5% YoY +27.4% QoQ
-0.75% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 11.4% in tier
Net Interest Margin ? 3.18%
+5.4% YoY +1.3% QoQ
-0.69% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 74.22%
-2.0% YoY -0.2% QoQ
+14.49% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 13.9% in tier
Delinquency Rate ? 0.05%
-63.0% YoY -48.3% QoQ
-0.82% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 7.9% in tier
Loan-to-Deposit Ratio ? 112.64%
-3.6% YoY -1.4% QoQ
+27.60% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ? 9.88%
+1.9% YoY +2.5% QoQ
-11.40% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 10.4% in tier
Nonperforming Asset Ratio ? 0.04%
-62.3% YoY -47.8% QoQ
-0.63% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 8.5% in tier
Tier 1 Capital Ratio ? 19.41%
-0.5% YoY +2.1% QoQ
+4.57% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 8.6% in tier
Non-Interest Income / Assets ? 0.14%
-0.3% YoY +106.7% QoQ
-0.38% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 9.9%
+0.2pp YoY
+0.2pp QoQ
 -11.5pp 21.4% 25.5% 22.2% 10%
Brokered Deposits 17.6%
+3.0pp YoY
+2.7pp QoQ
 +8.1pp 9.5% 11.0% 8.5% 86%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I n/a n/a 14.0% 11.8% 12.5% n/a
CRE n/a n/a 50.0% 67.5% 41.4% n/a
1-4 Family 55.5%
+2.8pp YoY
+1.6pp QoQ
 +29.1pp 26.4% 16.5% 31.3% 93%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.3% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 19.4%
-0.1pp YoY
+0.4pp QoQ
 +3.8pp 15.6% 23.7% 19.7% 90%
Leverage Ratio 10.3%
+0.2pp YoY
+0.3pp QoQ
 -1.0pp 11.3% 14.5% 12.6% 45%
Total Capital Ratio 20.3%
-0.2pp YoY
+0.4pp QoQ
 +3.6pp 16.7% 25.1% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 158
-5 (-3.1%) YoY
-2 (-1.2%) QoQ
 -156 313 337 482 25%
Assets per Employee ($) $7.6M
+0.1% YoY
+0.5% QoQ
 -$2.8M $10.5M $11.3M $8.8M 34%
Branch Count 14
0 YoY
0 QoQ
 -6 20 15 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.4% 1.0% 5%
Allowance Coverage 11.43x
+149.4% YoY
+90.3% QoQ
 -7.28x 18.71x 17.11x 20.23x 90%
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 6.5%
+0.2pp YoY
+1.3pp QoQ
 -6.1pp 12.6% 8.2% 11.6% 13%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.9% 1.7% 28%
Net Income ($, YTD) $3.9M
+0.5% YoY
— QoQ
 -$15.3M $19.2M $28.5M $40.4M 7%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#16 of 172 • Bottom 8.7% 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: 19.41%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 112.64%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#160 of 361 • Bottom 44.0% 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: 112.64%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

71
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.87%
#71 of 882 Top 7.9% in $1B-$10B
76
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#76 of 885 Top 8.5% in $1B-$10B
77
Tier 1 Capital Ratio
capital
Value: 19.41%
Peer Median: 14.84%
#77 of 885 Top 8.6% in $1B-$10B

Top Weaknesses (8 metrics)

853
Loan-to-Deposit Ratio
liquidity
Value: 112.64%
Peer Median: 85.04%
#853 of 885 Bottom 3.7% in $1B-$10B
804
Total Deposits
size
Value: $916.83M
Peer Median: $2.32B
#804 of 885 Bottom 9.3% in $1B-$10B
794
Non-Interest-Bearing Deposit Share
funding
Value: 9.88%
Peer Median: 21.27%
#794 of 885 Bottom 10.4% in $1B-$10B
785
Return on Assets
profitability
Value: 0.64%
Peer Median: 1.39%
#785 of 885 Bottom 11.4% in $1B-$10B
763
Efficiency Ratio
profitability
Value: 74.22%
Peer Median: 59.73%
#763 of 885 Bottom 13.9% in $1B-$10B
730
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#730 of 885 Bottom 17.6% in $1B-$10B
730
Total Assets
size
Value: $1.21B
Peer Median: $2.79B
#730 of 885 Bottom 17.6% in $1B-$10B
700
Net Interest Margin
profitability
Value: 3.18%
Peer Median: 3.87%
#700 of 885 Bottom 21.0% in $1B-$10B
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