Providence Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.94 percentage points in Q2 2026, from 159.29% to 151.36%. It was the largest change from Q1 2026 among the key lines here. Providence Bank & Trust ranks 66th of 323 Illinois banks on return on assets, in the upper half at 1.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Providence Bank & Trust sits 0.37 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 12.49% |
| Tangible equity to tangible assets | 12.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.92% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 151.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 13.53% |
| Net interest margin | 4.37% |
| Efficiency ratio | 50.44% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.70% |
| Core deposits to total deposits | 93.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.37% |
| Securities to assets | 11.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.93% | 1.03% | 3.33% | 0.58% | 0.50% |
| Q4 2023 | 9.60% | 1.05% | 3.19% | 0.65% | 0.01% |
| Q1 2024 | 10.00% | 0.87% | 3.07% | 0.66% | -0.15% |
| Q2 2024 | 10.13% | 0.76% | 2.98% | 0.63% | 0.01% |
| Q3 2024 | 10.32% | 0.81% | 3.04% | 0.66% | -0.04% |
| Q4 2024 | 10.37% | 1.06% | 3.13% | 0.68% | -0.02% |
| Q1 2025 | 10.73% | 0.86% | 3.20% | 1.88% | -0.00% |
| Q2 2025 | 11.39% | 0.96% | 3.38% | 1.96% | 0.42% |
| Q3 2025 | 10.22% | -4.51% | 3.75% | 1.85% | 0.05% |
| Q4 2025 | 10.77% | 1.91% | 4.37% | 0.99% | 0.43% |
| Q1 2026 | 11.04% | 1.61% | 4.10% | 0.89% | -0.00% |
| Q2 2026 | 11.50% | 1.65% | 4.37% | 0.98% | -0.00% |
Providence Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Providence Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Providence Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57754) · FFIEC NIC profile (RSSD 3280625)