Providence Bank & Trust
Also written as PB&T
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Data as of · sourced from FFIEC call reports. How we update
Providence Bank & Trust is an FDIC-insured commercial bank headquartered in South Holland, IL, supervised by the FDIC, with $1.56B in total assets at Q2 2026, up 1.0% from Q2 2025, the 43rd largest of 319 banks headquartered in Illinois. It was established in 2004 and holds FDIC certificate 57754. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57754
- Headquarters
- South Holland, IL
- Established
- 2004
- Total assets, Q2 2026
- $1.56B
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 11.50%
- Domestic offices
- 16 · Providence Bank & Trust branches FDIC institution directory, current count
- Routing number
- 071926375
- Safety and soundness
- Is Providence Bank & Trust safe?
- Latest call report
- Q2 2026, FFIEC 051 · Providence Bank & Trust Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- PROVIDENCE FINANCIAL CORPORATION
- Asset rank in state
- 43rd of 319 in Illinois
Providence Bank & Trust, based in South Holland, Illinois, reported $1.6 billion in assets at June 30, 2026. It carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 880 banks with $1 billion to $10 billion in assets. It also keeps 4.37 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $6.5 million, 69% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.01% of loans from 0.47%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Providence Bank & Trust reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
Providence Bank & Trust ranks as the 43rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $1.56B, loans fell 4.0% and deposits fell 0.5%. Non-owner-occupied commercial real estate loans made up 29.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.7%. Its 16 offices in the FDIC Summary of Deposits are in 13 cities across 2 states; its South Holland office books 22% of its branch deposits. On its Q2 2026 call report, Providence Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 630 E 162nd St, South Holland, IL 60473
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 20, 2004
- Former names
- Providence Bank, LLC (2013-2014)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 191
- Domestic deposits
- $1.35B
- Allowance for credit losses
- $16.1M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $1.57B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $1.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 20, 2004
- FDIC Cert
- 57754
- Fed RSSD
- 3280625
- SEC CIK
- 1620559 → filed by PROVIDENCE FINANCIAL CORPORATION
- Website
- www.providence.bank →
- Parent Holding Company
- PROVIDENCE FINANCIAL CORPORATION (RSSD 4656964)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Providence Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Providence Bank & Trust's total assets ranged from $1.54B (Q2 2025) to $1.64B (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.56B total assets against $1.54B; $1.36B total liabilities against $1.38B.
$1.07B net loans and leases against $1.07B; $1.35B total deposits against $1.34B.
$182.0M securities against $363.6M; $244.7M cash and balances due against $36.1M.
$21.6M total interest income against $19.3M; $5.1M total interest expense against $6.4M.
$16.4M net interest income against $12.8M.
$1.9M total noninterest income against $1.7M; $9.4M total noninterest expense against $9.3M.
$0 provision for credit losses against $90K.
$6.5M net income against $3.8M.
1.65% return on assets against 0.96%; 4.37% net interest margin against 3.38%.
11.50% tier 1 leverage ratio against 11.39%.
Inside the full Providence Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Providence Bank & Trust rankings
Its closest position to the top of a national ranking is 714 of 4,196, for total assets; its furthest is 2,802 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -4.51% (Q3 2025) to 1.91% (Q4 2025) and its net interest margin ran from 3.04% (Q3 2024) to 4.37% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.50% | 1.65% | 0.01% | 0.80% | 4.37% |
| Q1 2026 | 11.04% | 1.61% | 0.01% | 0.76% | 4.10% |
| Q4 2025 | 10.77% | 1.91% | 0.02% | 1.07% | 4.37% |
| Q3 2025 | 10.22% | -4.51% | 0.39% | 4.09% | 3.75% |
| Q2 2025 | 11.39% | 0.96% | 0.47% | 4.44% | 3.38% |
| Q1 2025 | 10.73% | 0.86% | 0.56% | 5.46% | 3.20% |
| Q4 2024 | 10.37% | 1.06% | 0.66% | 6.32% | 3.13% |
| Q3 2024 | 10.32% | 0.81% | 0.67% | 6.33% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Providence Bank & Trust (main office) | South Holland , IL | 60473 | $297.6M |
| Villa Park Branch | Villa Park , IL | 60181 | $156.8M |
| Greater Grand Crossing Branch | Chicago , IL | 60619 | $144.2M |
| Dyer Office | Dyer , IN | 46311 | $139.1M |
| Wheaton Branch | Wheaton , IL | 60187 | $104.0M |
| Munster Office | Munster , IN | 46321 | $85.0M |
| Orland Park Office | Orland Park , IL | 60467 | $84.0M |
| Frankfort Branch | Frankfort , IL | 60423 | $73.8M |
| Bronzeville Branch | Chicago , IL | 60616 | $70.1M |
| Schererville Office Branch | Schererville , IN | 46375 | $65.8M |
| Bellwood Branch | Bellwood , IL | 60104 | $40.4M |
| Chatham Motor Branch | Chicago , IL | 60619 | $40.2M |
| Palos Heights Branch | Palos Heights , IL | 60463 | $29.1M |
| Oak Lawn Branch | Oak Lawn , IL | 60453 | $16.1M |
| Oak Brook Branch | Oak Brook , IL | 60523 | $0 |
| South Loop Branch | Chicago , IL | 60604 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2022 | Structure Change | Acquired The Leaders Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 28, 2019 | Structure Change | Acquired Urban Partnership Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 26, 2014 | Structure Change | Acquired Greenchoice Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 25, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IL, rank 65 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 149 applications, 112 loans originated, $82.7M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.2M approved, $603K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Providence Bank & Trust
What are Providence Bank & Trust's total assets?
As of the Q2 2026 filing, Providence Bank & Trust reported total assets of $1.56 billion in its FFIEC call report.
Where is Providence Bank & Trust headquartered?
It is headquartered in South Holland, IL, United States.
When was Providence Bank & Trust founded?
It was established in 2004, per the FDIC institution directory.
Is Providence Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57754). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Providence Bank & Trust?
Providence Bank & Trust's primary federal regulator is the FDIC.
How many branches does Providence Bank & Trust operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Providence Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Providence Bank & Trust previously called?
The charter now named Providence Bank & Trust has also operated as Providence Bank, LLC (2013-2014), per FDIC structure-change records.
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