Headquartered in Riverside, California, Provident Savings Bank, F.S.B. is a savings bank with $1.2B in total assets and $916.8M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1956.
Provident Savings Bank, F.S.B. has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 74th. Problem-loan coverage contributes the most (99/100, 0.4%); funding & liquidity contributes the least (45/100, 113% loans-to-deposits, 19% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.02% |
| Q3 2024 | 9.63% |
| Q4 2024 | 9.81% |
| Q1 2025 | 9.85% |
| Q2 2025 | 10.11% |
| Q3 2025 | 9.55% |
| Q4 2025 | 9.79% |
| Q1 2026 | 9.98% |
| Q2 2026 | 10.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.2B | 10.30% | 0.05% | 0.64% | 112.6% |
| Q1 2026 | 64 | $1.2B | 9.98% | 0.10% | 0.50% | 114.2% |
| Q4 2025 | 64 | $1.2B | 9.79% | 0.10% | 0.60% | 117.3% |
| Q3 2025 | 63 | $1.2B | 9.55% | 0.18% | 0.62% | 117.1% |
| Q2 2025 | 65 | $1.2B | 10.11% | 0.13% | 0.62% | 116.8% |
| Q1 2025 | 65 | $1.3B | 9.85% | 0.13% | 0.65% | 116.4% |
| Q4 2024 | 63 | $1.3B | 9.81% | 0.24% | 0.55% | 120.0% |
| Q3 2024 | 63 | $1.3B | 9.63% | 0.20% | 0.62% | 119.6% |
| Q2 2024 | 64 | $1.3B | 10.02% | 0.25% | 0.60% | 117.7% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pacific Coast Bankers' BankBank Walnut Creek, CA | 63 out of 100, Moderate | $1.2B | 11.3% | 0.52% | vs |
| Bank of the OrientBank San Francisco, CA | 54 out of 100, Below average | $1.2B | 11.7% | 2.16% | vs |
| Commerce West BankBank Irvine, CA | 61 out of 100, Moderate | $1.2B | 11.1% | 1.23% | vs |
| First General BankBank Rowland Heights, CA | 71 out of 100, Strong | $1.2B | 26.3% | 1.83% | vs |
| Savings Bank of Mendocino CountyBank Ukiah, CA | 86 out of 100, Very strong | $1.3B | 17.9% | 0.36% | vs |
| EverTrust BankBank City Of Industry, CA | 72 out of 100, Strong | $1.1B | 21.7% | 0.80% | vs |
Deposit insurance
Is my money safe at Provident Savings Bank, F.S.B.?
Yes. Provident Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #30879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($178.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.34% (benchmark: 10%).
14 locations
Branches
Provident Savings Bank, F.S.B. lists 13 offices in 9 cities. Most locations:
- Riverside, CA (5)
- Blythe, CA (1)
- Corona, CA (1)
- Hemet, CA (1)
- Moreno Valley, CA (1)
- Rancho Mirage, CA (1)
- Redlands, CA (1)
- Sun City, CA (1)
- Temecula, CA (1)
HMDA 2025
Mortgage lending
In 2025, Provident Savings Bank, F.S.B. reported 248 home-loan applications under HMDA (LEI 549300VRYDYOPWK5MO08): 147 originated ($126,155,000 total), 64 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Provident Savings Bank, F.S.B.
- Former names
- Provident Savings Bank; Provident Federal Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 30879
- RSSD ID
- 631570
- Primary regulator
- OCC
- Holding company
- Provident Finl Holdings Inc
- Established
- July 2, 1956
- Headquarters
- 6570 Magnolia Ave, Riverside, CA 92506
- Website
- www.myprovident.com
- Employees
- 158
Quick answers
Provident Savings Bank, F.S.B.: common questions
Is Provident Savings Bank, F.S.B. FDIC insured?
Yes. Provident Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #30879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Provident Savings Bank, F.S.B.'s TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Provident Savings Bank, F.S.B. ever failed?
There is no failure record for FDIC certificate #30879 in the FDIC failed bank list.
How many branches does Provident Savings Bank, F.S.B. have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Riverside
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Redlands City Employees Federal Credit UnionCredit union Redlands, CA | 94 out of 100, Very strong | $10.2M | 25.4% | 0.00% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Ontario Public Employees Federal Credit UnionCredit union Ontario, CA | 87 out of 100, Very strong | $23.2M | 15.5% | 1.02% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Community Commerce BankBank Claremont, CA | 84 out of 100, Strong | $422.7M | 15.3% | 0.00% | vs |