TellerScore

Providence Bank & Trust (FDIC certificate #57754) is based in South Holland, Illinois. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 16 offices across 2 states.

Based on its Q2 2026 filing, Providence Bank & Trust scores 81/100, which we describe as strong. That is higher than 91% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 60th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (64/100; 80% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.50%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings85/100
Return on assets (annualized): 1.64%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 79.5% · 30.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (71 → 81), mostly because the earnings component improved by 28 points.

TellerScore
566981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202466
Q1 202567
Q2 202571
Q3 202556
Q4 202564
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%8.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.13%
Q3 202410.32%
Q4 202410.37%
Q1 202510.73%
Q2 202511.39%
Q3 202510.22%
Q4 202510.77%
Q1 202611.04%
Q2 202611.50%
Noncurrent loans
0.01%0.34%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.67%
Q4 20240.66%
Q1 20250.56%
Q2 20250.47%
Q3 20250.39%
Q4 20250.02%
Q1 20260.01%
Q2 20260.01%
Return on assets
-0.89%0.37%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.84%
Q4 20240.91%
Q1 20250.88%
Q2 20250.93%
Q3 2025-0.89%
Q4 2025-0.19%
Q1 20261.62%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.6B11.50%0.01%1.64%79.5%
Q1 202679$1.6B11.04%0.01%1.62%82.5%
Q4 202564$1.6B10.77%0.02%-0.19%80.0%
Q3 202556$1.6B10.22%0.39%-0.89%78.7%
Q2 202571$1.5B11.39%0.47%0.93%79.6%
Q1 202567$1.6B10.73%0.56%0.88%78.0%
Q4 202466$1.6B10.37%0.66%0.91%75.2%
Q3 202465$1.6B10.32%0.67%0.84%77.6%
Q2 202465$1.6B10.13%0.63%0.84%78.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.50%
70th
Total risk-based capital0.00%
13th
Problem loans0.01%
95th
Net charge-offs-0.00%
89th
Return on assets1.64%
76th
Net interest margin4.30%
81st
Efficiency ratio51.3%
73rd
Loans to deposits79.5%
69th
Uninsured deposits30.1%
52nd
Loan-loss reserves1.48%
85th
Texas ratio0.8%
86th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Mendota, IL69 out of 100, Moderate$1.6B10.9%0.47%vs
Dieterich BankBank Effingham, IL46 out of 100, Below average$1.6B8.4%1.87%vs
Central Bank IllinoisBank Geneseo, IL55 out of 100, Moderate$1.5B10.4%1.85%vs
Servbank, National AssociationBank Oswego, IL76 out of 100, Strong$1.7B11.8%0.59%vs
Foresight BankBank Winnebago, IL62 out of 100, Moderate$1.7B11.3%1.51%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs

Deposit insurance

Is my money safe at Providence Bank & Trust?

Yes. Providence Bank & Trust is an FDIC-insured institution (FDIC certificate #57754). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.1% of deposits ($405.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Providence Bank & Trust lists 15 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Providence Bank & Trust
Former names
Providence Bank, LLC
Type
State-chartered bank
FDIC certificate #
57754
RSSD ID
3280625
Primary regulator
FDIC
Holding company
Providence Financial Corp
Established
September 20, 2004
Headquarters
630 E 162nd St, South Holland, IL 60473
Employees
191

Quick answers

Providence Bank & Trust: common questions

Is Providence Bank & Trust FDIC insured?

Yes. Providence Bank & Trust is an FDIC-insured institution (FDIC certificate #57754). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Providence Bank & Trust's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Providence Bank & Trust ever failed?

There is no failure record for FDIC certificate #57754 in the FDIC failed bank list.

How many branches does Providence Bank & Trust have?

16 offices as of the latest FDIC data, in 2 states.

Nearby

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