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Providence Bank & Trust
South Holland, IL · FDIC Certificate #57754 · Chartered 09/2
Total assets
$1.56B
Total deposits
$1.35B
Total equity
$194.62M
Net loans
$1.07B
Branches (offices)
16
Net income (YTD)
$12.81M
Rank: #722 of 4,213 U.S. banks by assets · #44 of 322 in Illinois. Assets changed 1.0% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 13.58% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 12.49% |
| Tier 1 leverage ratio | 11.50% |
| Uninsured deposits (share of deposits) | 30.1% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 79.5% |
| Real estate loans (share of loans) | 88.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $943.09M | 88.1% | |
| Commercial & industrial | $139.44M | 13.0% | |
| Consumer / individual | $3.87M | 0.4% | |
| Construction & development | $80.38M | 7.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.57B | $1.39B | $3.58M | $140.36M |
| Jun 2023 | $1.59B | $1.36B | $8.27M | $143.53M |
| Jun 2024 | $1.60B | $1.37B | $6.73M | $148.41M |
| Jun 2025 | $1.54B | $1.34B | $7.39M | $167.83M |
| Jun 2026 | $1.56B | $1.35B | $12.81M | $194.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.06B | 13 |
| Indiana | $289.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.35B.
Similar-sized banks
First State Bank ($1.56B) · Union Bank ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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