PROVIDENCE FINANCIAL CORP is the parent banking group. PROVIDENCE BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PROVIDENCE FINANCIAL CORP

Legal name: PROVIDENCE FINANCIAL CORPORATION

1 active bank · $1.6B combined assets

RSSD ID: 4656964 (FFIEC NIC)

Combined Assets

$1.6B

CRA Rating Summary

Satisfactory1charter

Across all 6 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankPROVIDENCE BANK & TRUSTSOUTH HOLLAND, ILSatisfactory$1.6BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.4B

Net Income

$6M

ROA (avg)

1.62%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

174

Origination Rate

67.82%

Denial Rate

7.47%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
PROVIDENCE BANK & TRUST	SOUTH HOLLAND, IL	FDIC	$1.6B	100.0%	Satisfactory	Oct 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.