BlastPoint's Banking Scorecard
Providence Bank & Trust
Designations: ✓ Community bank
South Holland, IL
16 branches across IL · IN
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 IL.
- Deposits +0.4% year over year ($1.3B on the books).
- Delinquency rate 0.01%.
- Return on assets 1.64%.
- Efficiency ratio 51.28% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.50% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Providence Bank & Trust demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21.2% in tier
- + Delinquency Rate 0.86% below tier average
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 8.44% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+1.0% YoY
-0.2% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$1.1B
+0.3% YoY
-4.1% QoQ
|
-$892.9M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$1.3B
+0.4% YoY
-0.5% QoQ
|
-$972.6M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.64%
+76.4% YoY
+1.3% QoQ
|
+0.25% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.30%
+26.0% YoY
+3.4% QoQ
|
+0.43% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
51.28%
-16.7% YoY
-1.6% QoQ
|
-8.44% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.01%
-98.4% YoY
-39.1% QoQ
|
-0.86% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 3.7% in tier |
| Loan-to-Deposit Ratio ? |
79.50%
-0.1% YoY
-3.6% QoQ
|
-5.53% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
26.23%
-0.7% YoY
+0.5% QoQ
|
+4.96% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.11%
-79.4% YoY
+9.0% QoQ
|
-0.57% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
11.50%
+1.0% YoY
+4.2% QoQ
|
-3.34% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.22%
-0.2% YoY
+129.3% QoQ
|
-0.31% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.2%
-0.2pp YoY +0.1pp QoQ |
+4.9pp | 21.4% | 20.1% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.0%
+1.5pp YoY -0.8pp QoQ |
-1.0pp | 14.0% | 14.7% | 12.5% | 59% |
| CRE |
80.6%
-0.9pp YoY +0.6pp QoQ |
+30.6pp | 50.0% | 37.9% | 41.4% | 96% |
| 1-4 Family |
7.2%
-0.6pp YoY +0.2pp QoQ |
-19.3pp | 26.4% | 28.3% | 31.3% | 10% |
| Consumer |
0.4%
-0.3pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 5.4% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.5%
+0.1pp YoY +0.5pp QoQ |
+0.2pp | 11.3% | 12.2% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 16.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
191
+3 (+1.6%) YoY +5 (+2.7%) QoQ |
-123 | 313 | 228 | 482 | 38% |
| Assets per Employee ($) |
$8.2M
-0.6% YoY -2.8% QoQ |
-$2.3M | $10.5M | $8.3M | $8.8M | 42% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 10 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.5pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 1.1% | 1.0% | 1% |
| Allowance Coverage |
193.48x
+5539.0% YoY +71.2% QoQ |
+174.77x | 18.71x | 5.62x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.6%
+4.5pp YoY -0.1pp QoQ |
+1.0pp | 12.6% | 10.5% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.4%
-0.4pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 17% |
| Net Income ($, YTD) |
$12.8M
+73.3% YoY — QoQ |
-$6.4M | $19.2M | $11.7M | $40.4M | 52% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.