Providence Bank&Trust (FDIC #57754): Bank Stress & Real-Estate Credit Exposure
Providence Bank&Trust (FDIC Cert #57754): bank stress 49/100, moderate, STABLE over 7 days; parent PROVIDENCE FINANCIAL CORP.
Providence Bank&Trust (#57754) lends in 4 counties across 2 states; Providence Bank&Trust (#57754) reaches 272 ZIP codes: Illinois 3 counties, 244 ZIPs; Indiana 1 county, 28 ZIPs.
Providence Bank&Trust (#57754) largest markets: Cook County, IL (1,602 branches, 178 ZIPs) (#57754), Will County, IL (45 branches, 45 ZIPs) (#57754), Dupage County, IL (129 branches, 43 ZIPs) (#57754), Lake County, IN (84 branches, 28 ZIPs) (#57754).
Providence Bank&Trust (#57754) reports $1.56 billion in total assets; Providence Bank&Trust (#57754) equity $194.6 million (12.5% of Providence Bank&Trust (#57754) assets); Providence Bank&Trust (#57754) domestic deposits $1.35 billion; Providence Bank&Trust (#57754) net income $12.8 million; Providence Bank&Trust (#57754) return on assets 1.64%; Providence Bank&Trust (#57754) return on equity 13.58%; Providence Bank&Trust (#57754) net interest income $31.9 million; Providence Bank&Trust (#57754) call report June 30, 2026.
Providence Bank&Trust (#57754) noncurrent real-estate loans: none reported; Providence Bank&Trust (#57754) multifamily -0.01%; Providence Bank&Trust (#57754) net charge-offs on real estate 0.01%.
Providence Bank&Trust (#57754) net interest margin 4.30% against an eight-quarter Providence Bank&Trust (#57754) average of 3.61% (Providence Bank&Trust (#57754) compression -0.69 points); Providence Bank&Trust (#57754) non-residential real estate 0.3% of equity; Providence Bank&Trust (#57754) rate-exposure score 40/100, Providence Bank&Trust (#57754) fixed-rate trap 40/100; Providence Bank&Trust (#57754) risk type credit driven; Providence Bank&Trust (#57754) rate regime rates elevated, Providence Bank&Trust (#57754) snapshot October 19, 2026.
Providence Bank&Trust (#57754) stress score moved from 49.6 on June 22, 2026 to 49.1 on October 19, 2026; Providence Bank&Trust (#57754) ranged 49.1 to 49.6 over 116 snapshots.
Providence Bank&Trust (#57754) alerts: 4 counties; top Providence Bank&Trust (#57754) alert scores: Frankfort County, IL 20 (low); Schererville County, IL 20 (low); South Holland County, IL 20 (low); Wheaton County, IL 20 (low).