BlastPoint's Banking Scorecard
Provident Savings Bank, F.S.B.
Community
Specialty: Commercial
CA
FDIC cert 30879
Riverside, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Provident Savings Bank, F.S.B. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.43% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9% in Community
- - Liquidity Strain: Bottom 40% in Community
- - Non-Interest-Bearing Deposit Share 12.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
-2.2% YoY
-0.2% QoQ
|
-$163.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$1.0B
-1.5% YoY
-0.4% QoQ
|
+$62.2M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$884.3M
+0.7% YoY
-0.6% QoQ
|
-$280.3M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.60%
+8.0% YoY
-3.1% QoQ
|
-0.57% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.03%
+7.6% YoY
+0.3% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
76.17%
+0.6% YoY
+0.8% QoQ
|
+13.54% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.10%
-59.8% YoY
-46.5% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
117.35%
-2.2% YoY
+0.2% QoQ
|
+34.28% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.93%
-12.2% YoY
-3.9% QoQ
|
-12.12% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-59.6% YoY
-46.6% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
18.67%
+0.4% YoY
+2.7% QoQ
|
+8.43% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.29%
-1.6% YoY
+33.3% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#25 of 268 · Bottom 9% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
117.35%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Liquidity Strain
risk
#204 of 513 · Bottom 40% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
117.35%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.93%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 10.24%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $884.3M · Tier avg: $1.2B
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
15
15th pctile
Efficiency Ratio
Current: 76.17% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.93% · Tier avg: 21.05%
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.35% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.35% · Tier avg: 83.06%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.93% · Tier avg: 21.05%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 76.17% · Tier avg: 62.63%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
52
52th pctile
Total Deposits
Current: $884.3M · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 10.24%