BlastPoint's Banking Scorecard

Providence Bank & Trust

$1B-$10B Specialty: Commercial IL FDIC cert 57754

Designations: ✓ Community bank

South Holland, IL

16 branches across IL · IN

884 banks in the $1B-$10B peer group nationally 50 in IL

Providence Bank & Trust has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 23.1% in tier
+ Delinquency Rate 0.88% below tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 8.93% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 7.7% in tier

Get updates when Providence Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.6B -2.1% YoY -0.7% QoQ	-$1.3B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$1.1B +3.9% YoY +2.1% QoQ	-$849.2M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$1.4B -1.8% YoY -1.0% QoQ	-$990.9M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.62% +83.2% YoY +945.6% QoQ	+0.25%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.16% +24.9% YoY +9.7% QoQ	+0.34%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	52.13% -16.4% YoY +0.2% QoQ	-8.93%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.01% -97.8% YoY -44.8% QoQ	-0.88%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 3.4% in tier
Loan-to-Deposit Ratio ?	82.49% +5.7% YoY +3.2% QoQ	-1.72%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	26.10% +0.9% YoY -3.5% QoQ	+4.81%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.10% -83.8% YoY -26.1% QoQ	-0.58%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 14.0% in tier
Tier 1 Capital Ratio ?	11.04% +2.9% YoY +2.5% QoQ	-4.12%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.10% -6.8% YoY -79.1% QoQ	-0.16%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Profitability Leader

growth

#52 of 221 • Top 23.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.62%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#18 of 221 • Bottom 7.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.04%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#31 of 880 Top 3.4% in $1B-$10B

125

Nonperforming Asset Ratio

credit_quality

Value: 0.10%

Peer Median: 0.67%

#125 of 884 Top 14.0% in $1B-$10B

192

Net Interest Margin

profitability

Value: 4.16%

Peer Median: 3.82%

#192 of 884 Top 21.6% in $1B-$10B

207

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.37%

#207 of 884 Top 23.3% in $1B-$10B

Top Weaknesses (1 metrics)

731

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.16%

#731 of 884 Bottom 17.4% in $1B-$10B