PROVIDENCE BANK & TRUST

SOUTH HOLLAND, IL | Large | Est. Sept. 20, 2004, midnight | FDIC #57754 | RSSD #3280625 | FDIC
Latest Report: 2025-12-31

PROVIDENCE BANK & TRUST is aln large FDIC-insured commercial bank headquartered in SOUTH HOLLAND, IL, established in Sept. 20, 2004, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 1.92% ROA and 16.95% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 11.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 1.04%. FDIC Certificate #57754.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.1B

Equity

$183M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 16.95%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.16%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.22%
Texas Ratio 1.04%
NPA Ratio 0.13%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 11.15%
Tier 1 Capital 11.15%
Total Capital Ratio 11.71%
Leverage Ratio 10.77%
Loan-to-Deposit 81.16%

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