A bank or bank holding company providing lending, loan servicing, investment securities management, deposit-taking and other funding activities through subsidiaries and online channels while operating under regulatory oversight and maintaining executive leadership and workforce investment.

# Financial Services Company

Overview
- A financial services organization, likely a bank or bank holding company, with core activities that include lending, loan servicing, investment securities, deposit-taking, and other funding sources.
- Maintains an internet presence and operates through subsidiaries and multiple reportable segments.
- Subject to regulatory oversight, taxation, and cybersecurity considerations.
- Invests in its workforce and has a defined executive leadership structure.

Primary business activities
- Lending activities (origination, underwriting, loan portfolio management)
- Loan servicing and loan administration
- Investment securities portfolio management
- Deposit activities and other sources of funds
- Subsidiary operations
- Internet presence and online services
- Asset quality and credit risk management
- Regulatory compliance and tax matters
- Employees and human capital management
- Executive officers and governance
- Risk factors and related disclosures
- Cybersecurity programs and disclosures

Documented sections in the outline
- General business overview (Item 1)
- Subsequent events
- Market area and competition
- Reportable segments
- Internet website
- Lending activities
- Loan servicing
- Asset quality
- Investment securities activities
- Deposit activities and other sources of funds
- Subsidiary activities
- Regulation
- Taxation
- Employees and Human Capital
- Executive Officers
- Risk factors (Item 1A)
- Unresolved Staff Comments (Item 1B)
- Cybersecurity (Item 1C)
- Properties (Item 2)
- Legal Proceedings (Item 3)
- Mine Safety Disclosures (Item 4)

Next steps
- If you provide the specific sections that contain financial figures or narrative disclosures (for example, the financial statements or the detailed narrative for revenue, net income, customers, or headcount), I can extract and present those numbers and summarize the results (total customers, employee counts, revenue, net income, net interest income, non-interest income, assets, liabilities, equity, etc.).

Provident Financial Holdings, Inc. is a Delaware-based holding company for Provident Savings Bank, which operates as a community bank primarily in Southern California and offers a full range of financial services.

# Provident Financial Holdings, Inc.

## General overview
Provident Financial Holdings, Inc. is a Delaware corporation and the holding company for Provident Savings Bank, F.S.B., which primarily serves the Inland Empire region of Southern California.

- Founded (Bank): 1956  
- Holding company established: January 1996  
- Conversion to stock savings bank: June 27, 1996

## Headquarters
- Riverside, California

## Financial overview (as of June 30, 2024)
- Consolidated total assets: $1.27 billion  
- Total deposits: $888.3 million  
- Stockholders' equity: $129.9 million

## Banking operations
Provident Savings Bank is a federally chartered stock savings bank regulated by the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC).

- Full-service branches: 13 (12 in Riverside County, 1 in San Bernardino County)  
- Market position: Largest independent community bank in Riverside County

## Customer base
- Total customers: Approximately 79,000

## Employment
- Total employees: 160 (as of June 30, 2024)  
  - Full-time employees: 94  
  - Part-time employees: 66  
- Management: Experienced professionals with backgrounds in banking and finance

## Revenue and income
- Primary revenue sources: Interest on loan and investment portfolios and fees from community banking activities  
- Dividend: Cash dividend of $0.14 per share declared July 25, 2024

## Lending activities
- Net loans held for investment: $1.05 billion (83% of total assets)  
  - Single-family loans: $518.1 million (49% of loan portfolio)  
  - Multi-family loans: $445.2 million (42% of loan portfolio)  
  - Commercial real estate loans: $83.3 million (8% of loan portfolio)

## Market area — Inland Empire region
- Population: Approximately 4.7 million  
- Unemployment rate: 5.3% as of June 2024

## Competitive position
- Competes with national and regional banks, credit unions, and non-banking entities  
- Eighth largest deposit market share among all banks in Riverside County and the largest share among community banks

## Commitments to the community
- Provident Savings Bank Charitable Foundation supports youth, education, housing, and the arts  
- Contributions: $40,000 in each of fiscal 2024 and 2023

## Conclusion
Through its subsidiary Provident Savings Bank, Provident Financial Holdings provides community banking services across the Inland Empire and supports local initiatives through its charitable foundation.

PROVIDENT FINANCIAL HOLDINGS INC

10-K / September 2, 2026

10-K / August 30, 2024

10-K / September 2, 2026

Financial Services Company