Compared with California
11 of 14
compared fees are above the median.
2 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
56th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 14 compared; 2 below, 1 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Provident Savings Bank, F.S.B. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Provident Savings Bank, F.S.B.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.4% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (56th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $251K in Q2 2026, 2.0% above the same quarter a year earlier ($246K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 14 compared published fees sit above the California median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $14, the middle of its prices
Stop Payment
Cashier's Check
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.3% from Q3 2025 to Q2 2026, to $251K. Its share of revenue, 2.4%, is above the 2.2% median for banks with $1B to $10B in assets.
$251K
Provident Savings Bank, F.S.B.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4.95 to $20; we compare the midpoint.
Provident Savings Bank, F.S.B. · $1.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Provident Savings Bank, F.S.B.(this institution) | Riverside, CA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Pontiac | Pontiac, IL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Citizens Bank & Trust | Guntersville, AL | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Las Cruces | Las Cruces, NM | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens State Bank | Somerville, TX | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community National Bank | Derby, VT | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dayspring Bank | Gothenburg, NE | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dime Bank | Norwich, CT | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evolve Bank & Trust | West Memphis, AR | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FIDELITY BANK | New Orleans, LA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bankers Trust Company, National Association | Quincy, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First General Bank | Rowland Heights, CA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Helm Bank USA | Miami, FL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mid America Bank | Jefferson City, MO | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Bank | Pierce, NE | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Montgomery Bank | Sikeston, MO | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| MutualOne Bank | Framingham, MA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| nbkc bank | Leawood, KS | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesSouth Bank | Colquitt, GA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pilot Grove Savings Bank | Pilot Grove, IA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Reading Co-operative Bank | Reading, MA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Solvay Bank | Solvay, NY | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Somerset Regal Bank | Bound Brook, NJ | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southwest Missouri Bank | Carthage, MO | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Hutchinson | Hutchinson, KS | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Bank | Ann Arbor, MI | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $14, the middle of its eight prices, against a peer median of $7.95 among 13 publishing peers.
Its eight checking prices are $4.95, $5, $6, $7, $14, $15, $17 and $18.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.
Call reports for Provident Savings Bank, F.S.B. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $251K | −$12K | −4.6% |
| Q1 2026 | $263K | +$1K | +0.4% |
| Q4 2025 | $262K | +$5K | +1.9% |
| Q3 2025 | $257K | +$11K | +4.5% |
| Q2 2025 | $246K | −$20K | −7.5% |
| Q1 2025 | $266K | −$4K | −1.5% |
| Q4 2024 | $270K | −$16K | −5.6% |
| Q3 2024 | $286K | +$20K | +7.5% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Provident Savings Bank, F.S.B. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Provident Savings Bank, F.S.B. by share.
Amounts from Provident Savings Bank, F.S.B.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per month
per month
per hour
per month
per month
per item
per item
per item · Per check
per item
per item
per item
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $18Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Provident Value Checking Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $17Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $14Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research-per hour | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Service Charge w/Paper Statement | $6Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Monthly Service Charge w/Paper Statement | $7Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| NOTES: (All Savings Products) Excess Activity Fee | $15Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Rush Order-Debit Card | $10Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks Cashiers Check-per item Money Order-per item | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Check, Electronic Withdrawal, Renewals, and Bill Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | Per check |
| Temporary Check-Per Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Provident Bank Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item-Domestic Collection Item-International | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies Paid Check-Per Item Statement-Per Statement All Other Photocopies-Per Page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary Service-per signature | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Box Size 2 x 5 3 x 5 5 x 5 3 x 10 5 x 10 6 x 10 7 x 10 10 x 10 Forced Box Late Payment Key Replacement | Annual Rental | $55Not compared: Box drilling or key fee | per year | None |
| Legal Process Levy, Attachment, Restraining Order, or other legal process May Change as Prescribed by Law | $125Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Fax Service-Per Page | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Provident Savings Bank, F.S.B. operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $916.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 14 | $916.8M |
Riverside-San Bernardino-Ontario, CA
1.2% of bank deposits, #14 of 36, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 24.9% |
| Bank of America, National Association | 21% |
| Wells Fargo Bank, National Association | 18.4% |
| U.S. Bank National Association | 9.5% |
| Citizens Business Bank, National Association | 3.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Riverside-San Bernardino-Ontario, CA, Provident Savings Bank, F.S.B. holds 1.2% of bank deposits, #14 of 36, with 14 offices.
574 offices of 73 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 36 institutions shown. $79.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.2% share, 14 offices, #14 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
135 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
PROVIDENT FINANCIAL HOLDINGS INC (Nasdaq: PROV)
Consolidated assets
$1.2B
Shareholders' equity
$126.2M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1010470. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.