Provident Savings Bank, F.S.B.
BankRegReports is independent of Provident Savings Bank, F.S.B. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Provident Savings Bank, F.S.B. is an FDIC-insured savings institution headquartered in Riverside, CA, established in 1956 (FDIC certificate 30879), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.21B, down 3.0% from Q2 2025, the 54th largest of 113 banks headquartered in California. Its CET1 capital ratio was 19.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30879
- Headquarters
- Riverside, CA
- Established
- 1956
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- -3.0%
- CET1 ratio, Q2 2026
- 19.41%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 322270518
- Latest call report
- Q2 2026, FFIEC 051 · Provident Savings Bank, F.S.B. call report
- Holding company
- PROVIDENT FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 54th of 113 in California
Provident Savings Bank, F.S.B. leans heavily on commercial real estate. Based in Riverside, California, it had $1.2 billion in assets at June 30, 2026, down 3.0% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 30% from a year earlier, to $2.4 million. Over the same year, loans shrank 1.3% and deposits grew 2.4%. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Provident Savings Bank, F.S.B. reported a CET1 capital ratio of 19.41%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Provident Savings Bank, F.S.B. is the 54th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $1.21B, loans rose 0.3% and deposits rose 1.7%. 1-4 family residential loans made up 55.2% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 38.3%. Its 14 offices in the FDIC Summary of Deposits are in 9 cities in CA; its Riverside 6 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, Provident Savings Bank, F.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6570 Magnolia Ave, Riverside, CA 92506
- County
- Riverside
- Metro Area
- Riverside-San Bernardino-Ontario, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 2, 1956
- Former names
- Provident Savings Bank (1989-1990)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $916.8M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.19B
- Average total loans
- $1.04B
- Average interest-bearing deposits
- $812.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30879
- Fed RSSD
- 631570
- SEC CIK
- 1010470 → filed by PROVIDENT FINANCIAL HOLDINGS, INC.
- Website
- www.myprovident.com →
- Parent Holding Company
- PROVIDENT FINANCIAL HOLDINGS, INC. (RSSD 3632493) · PROV
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Donavon P Ternes | CEO | President & CEO |
| Fan Peter Chai | CFO | Senior Vice President - CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Provident Savings Bank, F.S.B.'s total assets ranged from $1.21B (Q2 2026) to $1.31B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.25B; $1.09B total liabilities against $1.12B.
$1.03B net loans and leases against $1.05B; $916.8M total deposits against $895.2M.
$91.6M securities against $111.7M; $49.2M cash and balances due against $53.1M.
$14.0M total interest income against $14.2M; $4.6M total interest expense against $5.2M.
$9.4M net interest income against $9.0M.
$888K total noninterest income against $905K; $7.6M total noninterest expense against $7.5M.
-$95K provision for credit losses against -$164K.
$2.4M net income against $1.8M.
0.79% return on assets against 0.59%; 3.23% net interest margin against 2.96%.
19.41% CET1 capital ratio against 19.50%; 10.30% tier 1 leverage ratio against 10.11%.
Inside the full Provident Savings Bank, F.S.B. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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).
Provident Savings Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 375 of 2,134, for CET1 ratio; its furthest is 828 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 0.79% (Q2 2026) and its net interest margin ran from 2.84% (Q3 2024) to 3.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.41% | 0.79% | 0.05% | 0.40% | 3.23% |
| Q1 2026 | 19.01% | 0.51% | 0.10% | 0.78% | 3.15% |
| Q4 2025 | 18.67% | 0.55% | 0.10% | 0.81% | 3.07% |
| Q3 2025 | 18.19% | 0.62% | 0.18% | 1.53% | 3.03% |
| Q2 2025 | 19.50% | 0.59% | 0.13% | 1.06% | 2.96% |
| Q1 2025 | 19.01% | 0.66% | 0.13% | 1.07% | 3.03% |
| Q4 2024 | 18.60% | 0.35% | 0.24% | 1.97% | 2.92% |
| Q3 2024 | 18.36% | 0.68% | 0.20% | 1.64% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Magnolia Avenue Branch | Riverside , CA | 92506 | $396.4M |
| 125 East Citrus Avenue Branch | Redlands , CA | 92373 | $79.2M |
| 5225 Canyon Crest Dr Branch | Riverside , CA | 92507 | $64.3M |
| 12460 Heacock St Branch | Moreno Valley , CA | 92553 | $64.0M |
| 350 East Hobson Way Branch | Blythe , CA | 92225 | $60.7M |
| 1690 E Florida Ave Branch | Hemet , CA | 92544 | $54.5M |
| 27010 Sun City Boulevard Branch | Sun City , CA | 92586 | $52.7M |
| Van Buren Blvd Branch | Riverside , CA | 92508 | $34.9M |
| 71-991 Highway 111 Branch | Rancho Mirage , CA | 92270 | $33.9M |
| 4001 Main Street Branch | Riverside , CA | 92501 | $22.5M |
| Winchester Road Branch | Temecula , CA | 92591 | $21.2M |
| Riverside Branch | Riverside , CA | 92503 | $17.3M |
| Magnolia Avenue Branch | Corona , CA | 92879 | $15.2M |
| Provident Savings Bank, F.S.B. (main office) | Riverside , CA | 92506 | $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 |
|---|---|---|---|
| August 31, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1982 | Structure Change | Acquired Colorado River Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- February 26, 2025, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- Period: Most recent institution action February 26, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 83 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 248 applications, 147 loans originated, $126.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Provident Savings Bank, F.S.B.’s latest filed figures and updates each quarter.
Similar banks
Compare Provident Savings Bank, F.S.B. with peers
Frequently asked about Provident Savings Bank, F.S.B.
What are Provident Savings Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Provident Savings Bank, F.S.B. reported total assets of $1.21 billion in its FFIEC call report.
Where is Provident Savings Bank, F.S.B. headquartered?
It is headquartered in Riverside, CA, United States.
When was Provident Savings Bank, F.S.B. founded?
It was established in 1956, per the FDIC institution directory.
Is Provident Savings Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Provident Savings Bank, F.S.B.?
Provident Savings Bank, F.S.B.'s primary federal regulator is the OCC.
What is Provident Savings Bank, F.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Provident Savings Bank, F.S.B. operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Provident Savings Bank, F.S.B.'s Texas Ratio?
Its Texas Ratio is 0.40% 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 Provident Savings Bank, F.S.B. previously called?
The charter now named Provident Savings Bank, F.S.B. has also operated as Provident Savings Bank (1989-1990), per FDIC structure-change records.
Go deeper on Provident Savings Bank, F.S.B.
Get an email when Provident Savings Bank, F.S.B. files its next call report, and benchmark it against any peer you choose.
Unlock Provident Savings Bank, F.S.B., freeFree account