Providence Bank & Trust: how it compares with its peers
Against 39 IL banks with half to twice its assets, Providence Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.30% vs. a 3.57% peer median). Its weakest relative measure is assets per employee ($8.2M vs. $8.0M).
| Measure | Providence Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 1.20% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 3.57% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.28% | 62.07% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $8.0M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.50% | 82.94% | Context |
What it means for lending operations
Its efficiency ratio of 51.28% is better than the 62.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank Mendota, IL · $1.56B
- Dieterich Bank Effingham, IL · $1.55B
- Central Bank Illinois Geneseo, IL · $1.46B
- Servbank, National Association Oswego, IL · $1.70B
- Foresight Bank Winnebago, IL · $1.71B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
Questions about Providence Bank & Trust
How big is Providence Bank & Trust?
Providence Bank & Trust, established in 2004, is headquartered in South Holland, IL. It reported $1.56B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Providence Bank & Trust's return on assets?
1.64% annualized in Q2 2026, against a 1.20% median for 39 IL banks with half to twice its assets, ahead of 87% of them.
What is Providence Bank & Trust's efficiency ratio?
51.28% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 62.07%, and lower is better.
Is Providence Bank & Trust growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.