Provident Savings Bank, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Provident Savings Bank, F.S.B. of Riverside, CA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.46% | -0.67% | 18th bottom |
| ROAE | 7.77% | 12.69% | -4.92% | 20th bottom |
| Net Interest Margin | 3.23% | 3.85% | -0.62% | 23rd bottom |
| Efficiency Ratio | 74.07% | 57.39% | +16.68% | 14th bottom |
| PPNR / Avg Assets | 0.90% | 1.88% | -0.98% | 12th bottom |
| Yield on Earning Assets | 4.81% | 5.72% | -0.91% | 13th bottom |
| Cost of Funds | 1.74% | 2.02% | -0.28% | 66th above |
| Net Interest Spread | 2.94% | 3.18% | -0.24% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 1.00% | -0.95% | 93rd top |
| NPA / Total Assets | 0.04% | 0.76% | -0.72% | 92nd top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 77th top |
| ACL / Total Loans | 0.56% | 1.31% | -0.75% | 4th bottom |
| ACL / NPLs (Coverage) | 1142.58% | 564.08% | +578.50% | — |
| Texas Ratio | 0.40% | 7.39% | -6.99% | 92nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.41% | 17.33% | +2.08% | 90th top |
| Tier 1 Ratio | 19.41% | 17.37% | +2.04% | 90th top |
| Total Capital Ratio | 20.34% | 18.42% | +1.92% | 90th top |
| Leverage Ratio | 10.30% | 11.44% | -1.14% | 45th below |
| Equity / Assets | 10.16% | 11.34% | -1.18% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.16% | 10.50% | -0.34% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.27% | 86.94% | +26.33% | 4th bottom |
| Core Deposit Ratio | 71.06% | 85.56% | -14.50% | 9th bottom |
| Uninsured Deposit Ratio | 19.48% | 33.13% | -13.65% | 85th top |
| Wholesale Funding Ratio | 13.00% | 5.70% | +7.30% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.01% | 9.68% | -12.69% | 7th bottom |
| Loan Growth (Y/Y) | -1.30% | 8.06% | -9.36% | 12th bottom |
| Deposit Growth (Y/Y) | 2.42% | 7.88% | -5.46% | 33rd below |
See Provident Savings Bank, F.S.B.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Provident Savings Bank, F.S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Provident Savings Bank, F.S.B. profile, how to read a UBPR, or how this data updates.