# PROVIDENT SAVINGS BANK FSB
RIVERSIDE, CA · FDIC certificate 30879 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.21B | |
| Deposits | $916.8M | |
| Loans and leases | $1.04B | |
| Total equity | $122.8M | |
| Loans / deposits | 112.64% (p96 of band) | 87.10% |
| Liquid assets / assets | 11.65% (p9 of band) | |
| Uninsured deposits / deposits | 19.48% (p16 of band) | 30.76% |
| Brokered deposits | 13.36% | |
| Wholesale funding | 26.36% (p94 of band) | |
| FHLB advances / assets | 13.00% | |
| Tier 1 leverage | 10.30% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -7.55% (p51 of band) | -7.75% |
| AOCI / equity | 0.00% (p74 of band) | |
| ROA (annualized) | 0.64% (p12 of band) | 1.26% |
| Net interest margin | 3.18% (p22 of band) | 3.70% |
| Efficiency ratio | 74.22% (p86 of band) | |
| Noncurrent loans | 0.05% (p9 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1142.58% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 158 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | liquid assets <10% |  |
| 2012-12 | 3 |  | charge-offs p90 |
| 2013-03 | 2 | assets shrinking | loans exceed deposits, liquid assets <10% |
| 2013-06 | 2 | loans exceed deposits | assets shrinking |
| 2013-09 | 3 | assets shrinking |  |
| 2013-12 | 3 | capital falling | loans exceed deposits |
| 2014-03 | 3 | expense ratio p90 | capital falling |
| 2014-06 | 3 | loans exceed deposits | expense ratio p90 |
| 2014-09 | 4 | liquid assets <10%, capital falling | assets shrinking |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | capital falling | liquid assets <10% |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 3 | expense ratio p90 |  |
| 2016-06 | 4 | liquid assets <10% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | liquid assets <10% |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | reserve under noncurrent |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | deposits shrinking, assets shrinking |  |
| 2019-09 | 3 |  | assets shrinking |
| 2019-12 | 2 |  | deposits shrinking |
| 2020-03 | 1 |  | expense ratio p90 |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | reserve under noncurrent | capital falling |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 1 |  | expense ratio p90 |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2023-03 | 3 |  | capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | deposits shrinking |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 5 | brokered >10%, deposits shrinking |  |
| 2024-06 | 4 |  | uninsured deposits leaving |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | deposits shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-28 [Provident Bank Named One of America’s Best Regional Banks for 2026 by Newsweek - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVEIwSzduREpFSWF4SzlDREoxb0FGdDM2b0NwODJNTEZRWktiYVVLV1o5V2hGY29UaWNlT0xmM0ppQWZsNTRmNkYyRnkzdGIwak9ESURZRkVoMW5Ndi1SWHhHOWZva1NOWFpQVFZtc1ZTMlYyMTNONFVqbFdCQ3hnLTV2Y0o?oc=5) · Yahoo Finance
- 2026-07-23 [Provident Financial Holdings Announces Quarterly Cash Dividend - Yahoo Finance](https://news.google.com/rss/articles/CBMiswFBVV95cUxPWUNkcERSbmlyUVcyUUlDckZMSjA2SHJ1bTVXZTJVejF5blNwZTd3ckZ5T3FsX1lrVHFsN0VSdzBXX25MeXdueEVlZDFHQm9FTkh2Q0ZNUnJheU5FZGtaWnJ2eW0tZmU2Sjh4V3g3YVRGM2ZyQjNlODYtb0lyMEtzMlZlZnZheU1ZM1JIVlBPX193SWdhMldoMjhJaWtidDJVMXlHZVh1cnY5RncyUGllb3VDVQ?oc=5) · Yahoo Finance
- 2026-07-24 [Provident Financial (NASDAQ: PROV) sets $0.14 quarterly dividend with Sept. 3 payout - stocktitan.net](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSnJpTFN3djhBamhpWjRvNmZWTXNpNXViNXlMSDF0X2NFaS1pWHY3aTllN0t0djNKM01pRVg1RjVPVGVXYU9tR19ZN0JFbE1LN3lfMC12SllyaXJPbGZ2a29sRGRIOXA1RUliRDlkVk8temJvRUtpMTd6Z2tFMGwwWUNYRzVrV205TVVMWEpRdkx3eTlCeEdmM0RyN080bjhsMWxyaFZVRGVaSFNxS2o5aW1GWkxQTTVFcEtydXhR?oc=5) · stocktitan.net
- 2026-08-27 [Best Income Stocks to Buy for August 27th - The Globe and Mail](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPTFBmVTloTndFWkp0VTNHNE93SUVfazJYZjRxeTBMQW5WSEo3dkNEUGJmUzh6MUZaRlB0aWJ1VzJHUFRNbm1SVTNEU3p6a01IdmgtUlN0QkZxRmpDRm9VaGM2eExZR0RTOWxjeHNFSDczdDZWYnBZcWFLRzdvVGs1YmhLNjF5SmltRWMtTDZNcm9qc1h0RmpXOEVPbUNvbEttZ3FQMk9kblEzZkdWdlBwTnBxMUlCUmxqaW16YWNoaHBYVEE?oc=5) · The Globe and Mail
- 2026-07-28 [Provident Financial Holdings Reports Fourth Quarter And Fiscal 2026 Results - GlobeNewswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOOEYwZXU4UDB2dW1QT2tFQVZISmE2a0Q2ZnVCYVQyMEFBUVpwa3QxWmJVZGdvVExwU2d3MDRSMDJQUHk3MjE5TmE1SDJRMHVQMTBLUjlHZUhCRXVoLWlCTmM4MnQzamo1WE1yTnVKd3VpalNBTl9oMGRkRDBZOUFLd0pHNnYtUi03amxGRExMTmkyTWJaR2RIOG93X0Ewd2tMN1pia2JOcmNPcjdlXy1KRWVnbGFSNU1mZEltcW9nS3lpSHhXZ2VaajdKMERUT1BtN05hWC1WOThzYTNlX0FSWA?oc=5) · GlobeNewswire
- 2023-10-26 [Donavon Ternes Takes the Helm at Provident Financial Holdings as Craig Blunden Retires - ceoworld.biz](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVjM2c29Gb0FYUWJ4cnVHMTJtdzJFR1drRXRiYnJOeUlfQW5sUGd5WG13cnhfRXFaQWE5Q2w5RjV0U2lMdjQyRkhCX2FVNTFnbEhYSWlSa1gxcjdoVmFidDRIRk5LeVZVSGFYaUw1SlhxUGNCYXFOa2RsT1FkZWRCVmtPblFaaU95eFdKNk1VRXo1Y3Y4bGU3cll6ZUFseE9qbm1vSk4zYXBDVk1XTkJ4S0MxNzNYVmhwWVd3?oc=5) · ceoworld.biz
- 2026-07-21 [Provident Financial Holdings, Inc. To Host Earnings Release Conference Call - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMijwFBVV95cUxNSl9lSVR6Q015ZTRaM0tYUkMwcnpldEszdWdvN0gtTE80Z2ZDSzJrRmVpMmZJUEZYZlFPb0U5REJ2MkdHNXJCajFQdm5ZeUFfbnZ2QjFkS0MxTkd3TXNkVVozRnMxVHhBc25RZjB1THRlZ2MtMGJBMHhfQVJERTlWcTEtdkFyd2ludEZyVWxnYw?oc=5) · Yahoo! Finance Canada

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30879 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "30879", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide