Provident Savings Bank, F.S.B.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 4.2% from Q1 2026 to Q2 2026, ending at $58.2M against $55.9M. It was the largest change among the key lines on this page. Within California, Provident Savings Bank, F.S.B. is 18th of 74 on CET1 ratio, 19.41% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Provident Savings Bank, F.S.B. sits 5.93 points higher, at 19.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.41% |
| Tier 1 risk-based capital ratio | 19.41% |
| Total risk-based capital ratio | 20.34% |
| Tier 1 leverage ratio | 10.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $122.8M |
| Tier 1 capital | $122.8M |
| Total risk-based capital | $128.7M |
| Total equity capital | $122.8M |
| Risk-weighted assets | $632.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.16% |
| Tangible equity to tangible assets | 10.16% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 7.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $64.5M |
| Retained earnings | $58.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $13K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.91% | 17.91% | 19.06% | 9.25% | $671.3M |
| Q4 2023 | 18.20% | 18.20% | 19.24% | 9.48% | $673.8M |
| Q1 2024 | 18.77% | 18.77% | 19.85% | 9.70% | $662.4M |
| Q2 2024 | 19.29% | 19.29% | 20.38% | 10.02% | $656.2M |
| Q3 2024 | 18.36% | 18.36% | 19.35% | 9.63% | $652.9M |
| Q4 2024 | 18.60% | 18.60% | 19.67% | 9.81% | $651.1M |
| Q1 2025 | 19.01% | 19.01% | 20.03% | 9.85% | $648.4M |
| Q2 2025 | 19.50% | 19.50% | 20.50% | 10.11% | $642.1M |
| Q3 2025 | 18.19% | 18.19% | 19.09% | 9.55% | $641.8M |
| Q4 2025 | 18.67% | 18.67% | 19.56% | 9.79% | $634.8M |
| Q1 2026 | 19.01% | 19.01% | 19.96% | 9.98% | $632.2M |
| Q2 2026 | 19.41% | 19.41% | 20.34% | 10.30% | $632.5M |
Provident Savings Bank, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Savings Bank, F.S.B., freeSource: Call Report Schedule RC-R, 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 Provident Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30879) · FFIEC NIC profile (RSSD 631570)