BlastPoint's Banking Scorecard
Providence Bank & Trust
Community
Specialty: Commercial
IL
FDIC cert 57754
South Holland, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Providence Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3% in Community
- - Return on Assets 1.36% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-3.9% YoY
-1.5% QoQ
|
+$181.3M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.1B
+1.9% YoY
-0.0% QoQ
|
+$116.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.4B
-4.1% YoY
-1.6% QoQ
|
+$201.6M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
-0.19%
-121.1% YoY
+78.5% QoQ
|
-1.36% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.79%
+18.9% YoY
+6.5% QoQ
|
+0.12% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
52.01%
-17.2% YoY
-7.8% QoQ
|
-10.62% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.02%
-96.6% YoY
-94.3% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
79.96%
+6.3% YoY
+1.6% QoQ
|
-3.11% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
27.04%
+9.7% YoY
-1.9% QoQ
|
+6.00% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.13%
-79.8% YoY
-72.5% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
+1.0% YoY
+42.2% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
Capital Thin
risk
#13 of 432 · Bottom 3% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.19%
(Tier avg: 1.16%, National avg: 1.12%)
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
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
80
80th pctile
Efficiency Ratio
Current: 52.01% · Tier avg: 62.63%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.04% · Tier avg: 21.05%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.96% · Tier avg: 83.06%
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
2
2th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.16%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.96% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.04% · Tier avg: 21.05%
80
80th pctile
Efficiency Ratio
Current: 52.01% · Tier avg: 62.63%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%