🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2023. CRA examination history below reflects the period it was active.

PROVIDENT STATE BANK, INC.

PRESTON, MD · Supervised by FDIC

Est. 1904FDIC #8,813RSSD: FDIC-8813
Part ofPSB HOLDING CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.53%

Institution Profile

FDIC BankFind

Address

312 Main St, PRESTON, MD

County

Caroline County

Established

January 1, 1904

Total Assets

$568M(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

May 1, 2022

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2023Call Report / FDIC

Total Assets

$568M

Total Deposits

$498M

Net Loans

$379M

Net Income

$-754K

ROA

-0.53%

ROE

-7.31%

Risk-Based Capital

14.31%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate3.52%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202214280.28%3.52%
202125687.89%6.64%
202027987.1%4.66%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/2aa25685-0a2e-4ffe-9327-48a6c25fd822"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: