BanksPROVIDENT SAVINGS BANK, F.S.B.

PROVIDENT SAVINGS BANK, F.S.B.

RIVERSIDE, CALargeEst. July 2, 1956, midnightFDIC #30879RSSD #631570OCC
Latest · 2025-12-31

PROVIDENT SAVINGS BANK, F.S.B. is an FDIC-insured commercial bank headquartered in RIVERSIDE, CA, established in July 2, 1956, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $884M. Profitability stands at 0.54% ROA and 5.65% ROE, with a net interest margin of 3.21%. CET1 capital ratio: 18.67%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.81%. Operates 14 domestic branches.

Assets
$1.2B
Deposits
$884M
Loans
$1.0B
Equity
$119M

Profitability

Return on Assets (ROA)0.54%
Return on Equity (ROE)5.65%
Net Interest Margin3.21%
Yield on Assets4.99%
Cost of Funds1.83%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.00%
Texas Ratio0.81%
NPA Ratio0.08%
ACL / Loans0.54%

Capital & Liquidity

CET1 Ratio18.67%
Tier 1 Capital18.67%
Total Capital Ratio19.56%
Leverage Ratio9.79%
Loan-to-Deposit117.98%

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