🏦Bank Scorer

PROVIDENCE BANK & TRUST

SOUTH HOLLAND, IL · Supervised by FDIC

Est. 2004FDIC #57,754RSSD: FDIC-57754
Part ofPROVIDENCE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.62%

Institution Profile

FDIC BankFind

Address

630 E 162nd St, SOUTH HOLLAND, IL

County

Cook County

Established

September 20, 2004

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.1B

Net Income

$6M

ROA

1.62%

ROE

13.65%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.47%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

16

Branch Deposits

$1.3B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417467.82%7.47%
202314971.14%7.38%
202221376.06%6.57%
202146377.54%5.40%
202078279.92%5.63%
201920376.35%6.40%
201827373.26%5.49%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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