0001437749-25-023428.txt : 20250724 0001437749-25-023428.hdr.sgml : 20250724 20250724163024 ACCESSION NUMBER: 0001437749-25-023428 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20250724 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20250724 DATE AS OF CHANGE: 20250724 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Provident Bancorp, Inc. /MD/ CENTRAL INDEX KEY: 0001778784 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] ORGANIZATION NAME: 02 Finance EIN: 844132422 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39090 FILM NUMBER: 251147376 BUSINESS ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 BUSINESS PHONE: (978) 388-0050 MAIL ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 8-K 1 pvbc20250513_8k.htm FORM 8-K pvbc20250513_8k.htm
false 0001778784 0001778784 2025-07-24 2025-07-24
 
 
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
 
FORM 8-K
 
 
CURRENT REPORT
 
 
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
 
 
Date of Report (Date of earliest event reported): July 24, 2025
 
 
PROVIDENT BANCORP, INC.
(Exact Name of Registrant as Specified in Charter)
 
 
Maryland
001-39090
84-4132422
(State or Other Jurisdiction
(Commission File No.)
(I.R.S. Employer
of Incorporation)
    
Identification No.)
           
 
5 Market Street, Amesbury, Massachusetts
01913
  
 
(Address of Principal Executive Offices)
(Zip Code)
  
 
Registrant’s telephone number, including area code: (877) 487-2977
 
 
Not Applicable
(Former name or former address, if changed since last report)
 
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
 
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
  
Trading Symbol
  
Name of each exchange on which registered
Common stock
  
PVBC
  
The NASDAQ Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
Emerging growth company                ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐
 
 
 
 
Item 2.02
Results of Operations and Financial Condition
 
On July 24, 2025, Provident Bancorp, Inc. (the “Company”) issued a press release announcing its earnings for the quarter ended June 30, 2025. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference. The information contained in this Item 2.02, including the related information set forth in the press release, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934.
 
Item 9.01
Financial Statements and Exhibits
 
 
(d)
Exhibits
 
Exhibit Description
 
 
 
104
The cover page from this current report on Form 8-K, formatted in Inline XBRL
 
 
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
 
   
PROVIDENT BANCORP, INC.
  
         
DATE: July 24, 2025
  
By:
/s/ Joseph B. Reilly
  
     
Joseph B. Reilly
  
     
President and Chief Executive Officer
  
         
 
 
 EX-99.1 2 ex_817478.htm EXHIBIT 99.1 ex_817478.htm

Exhibit 99.1

 

Provident Bancorp, Inc. Reports Net Income of $2.8 Million for the Quarter Ended June 30, 2025

 

Company Release

07/24/2025

 

Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for BankProv (the “Bank”), reported net income for the quarter ended June 30, 2025 of $2.8 million, or $0.17 per diluted share, compared to net income of $2.2 million, or $0.13 per diluted share, for the quarter ended March 31, 2025, and a net loss of $3.3 million, or $0.20 per diluted share, for the quarter ended June 30, 2024. For the six months ended June 30, 2025, net income was $5.0 million, or $0.29 per diluted share, compared to net income of $1.7 million, or $0.10 per diluted share, for the six months ended June 30, 2024. 

 

The Company's return on average assets was 0.74% for the quarter ended June 30, 2025, compared to 0.58% for the quarter ended March 31, 2025, while the Company reported a loss on average assets of 0.85% for the quarter ended June 30, 2024.  The Company's return on average equity was 4.77% for the quarter ended June 30, 2025, compared to 3.71% for the quarter ended March 31, 2025, while the Company reported a loss on average equity of 5.80% for the quarter ended June 30, 2024. For the six months ended June 30, 2025, the Company’s return on average assets was 0.66%, compared to 0.21% for the six months ended June 30, 2024. For the six months ended June 30, 2025, the Company’s return on average equity was 4.25%, compared to 1.48% for the six months ended June 30, 2024.

 

In announcing these results, Joseph Reilly, Chief Executive Officer, said “We’re pleased to report improvements in earnings during an eventful second quarter of 2025, which included the announcement of our proposed merger with Needham Bank and the sale/leaseback of our Main Office building to the City of Amesbury. We have been very fortunate to have engaged with partners who share our enthusiasm for the opportunities these transactions present to all parties. The City of Amesbury will be a great neighbor to our flagship branch, which will continue to operate out of this historic location. Meanwhile, the merger with NB Bancorp and Needham Bank is currently progressing through the shareholder and regulatory approval process, with closing anticipated in the fourth quarter of 2025. Integration teams from both banks are working diligently to ensure a smooth and seamless transition, and we remain excited about the value this combined franchise can deliver and the opportunities it will create.”

 

For the quarter ended June 30, 2025, net interest and dividend income was $13.5 million, an increase of $652,000, or 5.1%, from the quarter ended March 31, 2025, and $1.6 million, or 13.2%, from the quarter ended June 30, 2024. The interest rate spread and net interest margin were 2.79% and 3.77%, respectively, for the quarter ended June 30, 2025, compared to 2.62% and 3.65%, respectively, for the quarter ended March 31, 2025, and 2.10% and 3.27%, respectively, for the quarter ended June 30, 2024. For the six months ended June 30, 2025, net interest and dividend income was $26.4 million, an increase of $2.0 million, or 8.0%, compared to $24.4 million for the six months ended June 30, 2024. The interest rate spread and net interest margin were 2.70% and 3.71%, respectively, for the six months ended June 30, 2025, compared to 2.19%, and 3.33%, respectively, for the six months ended June 30, 2024. The increases in net interest income over prior periods reflect the success in its prioritization of reducing its overall cost of funds while maintaining asset yields.

 

Total interest and dividend income was $21.3 million for the quarter ended June 30, 2025, an increase of $720,000, or 3.5%, from the quarter ended March 31, 2025, and a decrease of $572,000, or 2.6%, from the quarter ended June 30, 2024. The Company’s yield on interest earning assets was 5.94% for the quarter ended June 30, 2025, an increase of ten basis points from 5.84% for the quarter ended March 31, 2025, and a decrease of five basis points from 5.99% for the quarter ended June 30, 2024. For the six months ended June 30, 2025, total interest and dividend income was $41.9 million, a decrease of 2.0 million, or 4.6%, from the six months ended June 30, 2024. The Company’s yield on interest-earning assets was 5.89% for the six months ended June 30, 2025, a decrease of nine basis points from 5.98% for the six months ended June 30, 2024. For the quarter ended June 30, 2025, the yield on the loan portfolio was 6.09%, an increase of 11 basis points from 5.98% for the quarter ended March 31, 2025, and a decrease of two basis points compared to the quarter ended June 30, 2024. For the six months ended June 30, 2025, the yield on the loan portfolio was 6.03%, representing a six basis point reduction from the six months ended June 30, 2024.

 

Total interest expense was $7.8 million for the quarter ended June 30, 2025, an increase of $68,000, or 0.9%, from $7.7 million for the quarter ended March 31, 2025. Interest expense on borrowings was $512,000 for the quarter ended June 30, 2025, a $176,000, or 52.4%, increase from $336,000 for the quarter ended March 31, 2025. This increase was primarily due to a 100 basis point increase in the cost of borrowings, to 3.83% for the quarter ended June 30, 2025 from 2.83% for the quarter ended March 31, 2025. Interest expense on deposits was $7.3 million for the quarter ended June 30, 2025, a $108,000, or 1.5%, decrease from $7.4 million for the quarter ended March 31, 2025. Total interest expense decreased $2.1 million, or 21.6%, from $9.9 million for the quarter ended June 30, 2024. This decrease was primarily due to a $2.3 million, or 24.4%, decrease in interest on deposits, primarily due to a 76 basis point reduction in the cost of interest-bearing deposits to 3.11% for the quarter ended June 30, 2025, compared to 3.87% for the quarter ended June 30, 2024. The Company’s total cost of interest-bearing liabilities was 3.15% for the quarter ended June 30, 2025, a decrease of seven basis points from 3.22% for the quarter ended March 31, 2025, and a decrease of 74 basis points from the quarter ended June 30, 2024.

 

Total interest expense decreased $4.0 million, or 20.5%, to $15.5 million for the six months ended June 30, 2025, compared to $19.5 million for the six months ended June 30, 2024. Interest expense on deposits was $14.6 million for the six months ended June 30, 2025, a decrease of $4.3 million, or 22.8%, from $18.9 million for the six months ended June 30, 2024. This decrease was primarily driven by a 60 basis point decrease in the average cost of interest-bearing deposits, from 3.78% to 3.18% and a decrease in the average balance of deposits, primarily due to a decrease in higher-cost savings accounts obtained through listing services. For the six months ended June 30, 2025, interest expense on borrowings increased $327,000, or 62.8%, primarily due to a $26.0 million, or 106.4%, increase in the average balance of borrowings, partially offset by a 90 basis point decrease in the average cost of borrowings. The Company's total cost of interest-bearing liabilities was 3.19% for the six months ended June 30, 2025, a decrease of 60 basis points from 3.79% for the six months ended June 30, 2024. The significant decrease in interest expense compared to the prior year is a reflection of the Bank’s strategic re-balancing of its funding sources.

 

The Company recognized a $378,000 credit loss benefit for the quarter ended June 30, 2025, compared to a $12,000 benefit for the quarter ended March 31, 2025, and a $6.5 million credit loss expense for the quarter ended June 30, 2024. For the six months ended June 30, 2025, the Company recognized a $390,000 credit loss benefit, compared to a credit loss expense of $877,000 for the six months ended June 30, 2024. The credit loss benefit for the 2025 periods was primarily driven by a reduction in pooled reserves, largely reflecting a decline in total loans, specifically within the enterprise value portfolio, which typically carries a higher reserve rate than other loan categories. This benefit was partially offset by a year-to-date increase of $662,000 in individually analyzed reserves, primarily recorded in the first quarter of 2025.

 

Net recoveries totaled $20,000 for the quarter ended June 30, 2025, compared to net recoveries of $2,000 for the quarter ended March 31, 2025, and net charge-offs of $2.1 million for the quarter ended June 30, 2024. Net recoveries totaled $23,000 for the six months ended June 30, 2025, compared to net charge-offs of $2.2 million for the six months ended June 30, 2024.

 

Noninterest income was $2.2 million for the quarter ended June 30, 2025, compared to $1.4 million for the quarter ended March 31, 2025, and $1.5 million for the quarter ended June 30, 2024. For the six months ended June 30, 2025, noninterest income increased $732,000, or 25.4%, to $3.6 million, from $2.9 million for the six months ended June 30, 2024. During the second quarter of 2025, noninterest income included a $745,000 gain on a sale/leaseback transaction for the Bank's main office building.

 

Noninterest expense was $12.1 million for the quarter ended June 30, 2025, an increase of $659,000, or 5.8%, from the quarter ended March 31, 2025, and an increase of $497,000, or 4.3%, from the quarter ended June 30, 2024. The increases from prior quarters were primarily attributable to $543,000 of merger-related expenses included in professional fees for the second quarter of 2025, and a loss contingency included in other expenses related to the previously-disclosed Wells Notice received from the SEC. Noninterest expense was $23.5 million for the six months ended June 30, 2025, a decrease of $806,000, or 3.3%, from $24.3 million for the six months ended June 30, 2024. The decrease is primarily due to decreases in professional fees of $605,000, or 26.3%, and salaries and employee benefits of $524,000, or 3.4%, partially offset by a $343,000, or 26.2%, increase in other expenses. Merger-related fees included in noninterest expenses were more than offset by improvements in organizational efficiency and the successful reduction of operating costs.

 

The Company recorded an income tax provision of $1.2 million for the quarter ended June 30, 2025, reflecting an effective tax rate of 30.2%, compared to $665,000, or an effective tax rate of 23.5%, for the quarter ended March 31, 2025, and a tax benefit of $1.3 million, or an effective tax rate of 27.7%, for the quarter ended June 30, 2024. For the six months ended June 30, 2025, the Company recorded a provision for income tax of $1.9 million, reflecting an effective tax rate of 27.4%, compared to $439,000, or an effective tax rate of 20.8%, for the six months ended June 30, 2024. The increase in the effective tax rate for the current quarter and year-to-date period is primarily attributable to non-deductible merger-related expenses.

 

Total assets were $1.54 billion at June 30, 2025, a decrease of $13.1 million, or 0.8%, from $1.55 billion at March 31, 2025, and a decrease of $52.3 million, or 3.3%, from $1.59 billion at December 31, 2024. Cash and cash equivalents increased $3.9 million, or 3.1%, from March 31, 2025, and decreased $40.2 million, or 23.8%, from December 31, 2024. Net loans were $1.29 billion at June 30, 2025, a decrease of $17.7 million, or 1.4%, from March 31, 2025, and a decrease of $12.0 million, or 0.9%, from December 31, 2024. The decreases in net loans from March 31, 2025 and December 31, 2024 were primarily driven by the decreases in enterprise value loans of $16.1 million, or 6.1%, over the prior quarter and $63.4 million, or 20.5%, year-to-date. Since December 31, 2024, the decrease in the loan portfolio, caused by strategic runoff in the enterprise value portfolio, has been partially offset by targeted growth in the commercial real estate portfolio of $21.4 million, or 3.8%, the construction and land development portfolio of $9.3 million, or 33.0%, and the mortgage warehouse portfolio of $25.0 million, or 9.6%.

 

The allowance for credit losses for loans was $20.8 million, or 1.58% of total loans, as of June 30, 2025, compared to $21.2 million, or 1.59% of total loans, as of March 31, 2025, and $21.1 million, or 1.59% of total loans as of December 31, 2024. Non-accrual loans were $34.4 million, or 2.24% of total assets, as of June 30, 2025, compared to $31.4 million, or 2.02% of total assets as of March 31, 2025, and $20.9 million, or 1.31%, as of December 31, 2024. During the second quarter of 2025, the Bank executed a workout transaction on the $10.5 million enterprise value relationship that was placed on non-accrual in the first quarter of 2025. This workout arrangement included a $1.0 million paydown and a $9.5 million extension of credit to a new operator, which will remain on nonaccrual status until consistent performance is demonstrated.

 

Total deposits were $1.26 billion at June 30, 2025, an increase of $73.5 million, or 6.2%, from $1.18 billion at March 31, 2025, and a decrease of $51.0 million, or 3.9%, from $1.31 billion at December 31, 2024. The increase in deposits from March 31, 2025 was primarily due to a $36.1 million, or 3.5%, increase in retail deposits and a $40.0 million, or 32.0%, increase in brokered deposits. The decrease in deposits from December 31, 2024 was primarily due to a $42.3 million, or 3.8%, decrease in retail deposits and a $23.5 million, or 49.3%, decrease in listing service deposits, partially offset by a $14.8 million, or 9.9%, increase in brokered deposits. The $42.3 million decrease in retail deposits since December 31, 2024, was primarily attributable to a $37.5 million, or 30.2%, decrease in deposits the Bank has strategically endeavored to reduce. Total borrowings were $34.5 million at June 30, 2025, a decrease of $93.0 million, or 73.0%, from March 31, 2025, and a decrease of $10.1 million, or 22.6%, from December 31, 2024, reflecting improvement in the management of current and anticipated liquidity needs.

 

As of June 30, 2025, shareholders’ equity totaled $237.4 million, an increase of $3.3 million, or 1.4%, from March 31, 2025, and an increase of $6.3 million, or 2.7%, from December 31, 2024. The increases include the Company's net income, which totaled $2.8 million for the quarter ended June 30, 2025, and $5.0 million for the six months ended June 30, 2025. Shareholders’ equity to total assets was 15.4% at June 30, 2025, compared to 15.1% at March 31, 2025 and 14.5% at December 31, 2024. Book value per share was $13.34 at June 30, 2025, an increase from $13.16 at March 31, 2025 and $12.99 at December 31, 2024. As of June 30, 2025, the Bank was categorized as well capitalized under the Federal Deposit Insurance Corporation regulatory framework for prompt corrective action.

 

About Provident Bancorp, Inc.

 

Provident Bancorp, Inc. (NASDAQ:PVBC) is the holding company for BankProv, a full-service commercial bank headquartered in Massachusetts. With retail branches in the Seacoast Region of Northeastern Massachusetts and New Hampshire, as well as commercial banking offices in the Manchester/Concord market in Central New Hampshire, BankProv delivers a unique combination of traditional banking services and innovative financial solutions to its markets. Founded in Amesbury, Massachusetts in 1828, BankProv holds the honor of being the 10th oldest bank in the nation. The Bank insures 100% of deposits through a combination of insurance provided by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF). For more information, visit bankprov.com.

 

Forward-Looking Statements

 

This news release may contain certain forward-looking statements, such as statements of the Company’s or the Bank’s plans, objectives, expectations, estimates and intentions. Forward-looking statements may be identified by the use of words such as, “expects,” “subject,” “believe,” “will,” “intends,” “may,” “will be” or “would.” These statements are subject to change based on various important factors (some of which are beyond the Company’s or the Bank’s control), and actual results may differ materially. Accordingly, readers should not place undue reliance on any forward-looking statements (which reflect management’s analysis of factors only as of the date on which they are given). These factors include: those related to the status of our proposed merger with NB Bancorp, Inc., general economic conditions, including potential recessionary conditions; interest rates; inflation; levels of unemployment; legislative, regulatory and accounting changes; monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve Bank; deposit flows; our ability to access cost-effective funding; changes in liquidity, including the size and composition of our deposit portfolio; changes in investor sentiment and consumer spending, borrowing and savings habits; competition; the imposition of tariffs or other domestic or international governmental policies and retaliatory responses; our ability to successfully shift the balance sheet to that of a traditional community bank; real estate values in the market area; loan demand; the adequacy of our level and methodology for calculating our allowance for credit losses; changes in the quality of our loan and securities portfolios; the ability of our borrowers to repay their loans; an unexpected adverse financial, regulatory or bankruptcy event experienced by our cryptocurrency, digital asset or financial technology (“fintech”) customers; our ability to retain key employees; failures or breaches of our IT systems, including cyberattacks; the failure to maintain current technologies; the ability of the Company or the Bank to effectively manage its growth; global and national war and terrorism; the impact of a pandemic on our operations and financial results and those of our customers; and results of regulatory examinations, among other factors. The foregoing list of important factors is not exclusive. Readers should carefully review the risk factors described in other documents that the Company files from time to time with the Securities and Exchange Commission, including Annual and Quarterly Reports on Forms 10-K and 10-Q, and Current Reports on Form 8-K.

 

Investor contact:

Joseph Reilly

President and Chief Executive Officer

Provident Bancorp, Inc.

jreilly@bankprov.com

 

 
 

 

Provident Bancorp, Inc.

Consolidated Balance Sheet

 

   

At

    

At

    

At

  
   

June 30,

    

March 31,

    

December 31,

  
   

2025

    

2025

    

2024

  

(Dollars in thousands)

  

(unaudited)

    

(unaudited)

          

Assets

                        

Cash and due from banks

   $ 21,700     $ 21,444     $ 27,536  

Short-term investments

     107,209       103,540       141,606  

Cash and cash equivalents

     128,909       124,984       169,142  

Debt securities available-for-sale (at fair value)

     24,534       25,199       25,693  

Federal Home Loan Bank stock, at cost

     2,242       2,696       2,697  

Loans:

                        

Commercial real estate

     580,750       587,541       559,325  

Construction and land development

     37,362       32,401       28,097  

Residential real estate

     4,936       5,647       6,008  

Mortgage warehouse

     284,154       276,069       259,181  

Commercial

     160,596       168,087       163,927  

Enterprise value

     246,382       262,445       309,786  

Consumer

     85       165       271  

Total loans

     1,314,265       1,332,355       1,326,595  

Allowance for credit losses for loans

     (20,796 )     (21,160 )     (21,087 )

Net loans

     1,293,469       1,311,195       1,305,508  

Bank owned life insurance

     46,679       46,344       46,017  

Premises and equipment, net

     10,127       10,021       10,188  

Accrued interest receivable

     4,877       4,968       5,296  

Right-of-use assets

     5,488       3,391       3,429  

Deferred tax asset, net

     12,631       13,399       13,808  

Other assets

     11,925       11,759       11,392  

Total assets

   $ 1,540,881     $ 1,553,956     $ 1,593,170  

Liabilities and Shareholders' Equity

                        

Deposits:

                        

Noninterest-bearing demand deposits

   $ 287,927     $ 302,275     $ 351,528  

NOW

     103,115       69,394       83,270  

Regular savings

     105,123       112,961       132,198  

Money market deposits

     463,100       445,313       463,687  

Certificates of deposit

     298,713       254,579       278,277  

Total deposits

     1,257,978       1,184,522       1,308,960  

Borrowings:

                        

Short-term borrowings

     25,000       118,000       35,000  

Long-term borrowings

     9,495       9,529       9,563  

Total borrowings

     34,495       127,529       44,563  

Operating lease liabilities

     5,939       3,833       3,862  

Other liabilities

     5,098       4,037       4,698  

Total liabilities

     1,303,510       1,319,921       1,362,083  

Shareholders' equity:

                        

Preferred stock, $0.01 par value, 50,000 shares authorized; no shares issued and outstanding

     —       —       —  

Common stock, $0.01 par value, 100,000,000 shares authorized; 17,785,538 shares issued and outstanding at June 30, 2025, and 17,788,543 shares issued and outstanding at March 31, 2025 and December 31, 2024

     178       178       178  

Additional paid-in capital

     126,329       125,895       125,446  

Retained earnings

     118,555       115,731       113,561  

Accumulated other comprehensive loss

     (1,578 )     (1,476 )     (1,625 )

Unearned compensation - ESOP

     (6,113 )     (6,293 )     (6,473 )

Total shareholders' equity

     237,371       234,035       231,087  

Total liabilities and shareholders' equity

   $ 1,540,881     $ 1,553,956     $ 1,593,170  

 

 
 

 

Provident Bancorp, Inc.

Consolidated Income Statements

(Unaudited)

 

   

Three Months Ended

    

Six Months Ended

  
   

June 30,

    

March 31,

    

June 30,

    

June 30,

    

June 30,

  

(Dollars in thousands, except per share data)

  

2025

    

2025

    

2024

    

2025

    

2024

  

Interest and dividend income:

                                        

Interest and fees on loans

   $ 20,085     $ 19,307     $ 20,311     $ 39,392     $ 40,380  

Interest and dividends on debt securities available-for-sale

     231       260       243       491       480  

Interest on short-term investments

     984       1,013       1,318       1,997       3,047  

Total interest and dividend income

     21,300       20,580       21,872       41,880       43,907  

Interest expense:

                                        

Interest on deposits

     7,261       7,369       9,607       14,630       18,947  

Interest on short-term borrowings

     482       306       281       788       459  

Interest on long-term borrowings

     30       30       31       60       62  

Total interest expense

     7,773       7,705       9,919       15,478       19,468  

Net interest and dividend income

     13,527       12,875       11,953       26,402       24,439  

Credit loss (benefit) expense - loans

     (384 )     70       6,467       (314 )     924  

Credit loss expense (benefit) - off-balance sheet credit exposures

     6       (82 )     (9 )     (76 )     (47 )

Total credit loss (benefit) expense

     (378 )     (12 )     6,458       (390 )     877  

Net interest and dividend income after credit loss (benefit) expense

     13,905       12,887       5,495       26,792       23,562  

Noninterest income:

                                        

Customer service fees on deposit accounts

     690       715       665       1,405       1,339  

Service charges and fees - other

     442       276       349       718       658  

Bank owned life insurance income

     335       327       319       662       621  

Other income

     764       62       190       826       261  

Total noninterest income

     2,231       1,380       1,523       3,611       2,879  

Noninterest expense:

                                        

Salaries and employee benefits

     7,338       7,576       7,293       14,914       15,438  

Occupancy expense

     376       448       407       824       850  

Equipment expense

     120       144       160       264       312  

Deposit insurance

     294       332       321       626       654  

Data processing

     410       421       402       831       815  

Marketing expense

     62       45       76       107       94  

Professional fees

     1,124       569       984       1,693       2,298  

Directors' compensation

     197       195       177       392       351  

Software depreciation and implementation

     532       553       584       1,085       1,127  

Insurance expense

     224       221       303       445       604  

Service fees

     371       318       234       689       476  

Other

     1,043       610       653       1,653       1,310  

Total noninterest expense

     12,091       11,432       11,594       23,523       24,329  

Income (loss) before income tax expense

     4,045       2,835       (4,576 )     6,880       2,112  

Income tax expense (benefit)

     1,221       665       (1,268 )     1,886       439  

Net income (loss)

   $ 2,824     $ 2,170     $ (3,308 )   $ 4,994     $ 1,673  

Earnings (loss) per share:

                                        

Basic

   $ 0.17     $ 0.13     $ (0.20 )   $ 0.30     $ 0.10  

Diluted

   $ 0.17     $ 0.13     $ (0.20 )   $ 0.29     $ 0.10  

Weighted Average Shares:

                                        

Basic

     16,860,744       16,822,196       16,706,793       16,841,577       16,688,122  

Diluted

     16,954,078       16,924,083       16,706,793       16,938,788       16,723,763  

 

 
 

Provident Bancorp, Inc.

Net Interest Income Analysis

(Unaudited)

 

   

For the Three Months Ended

  
   

June 30, 2025

    

March 31, 2025

    

June 30, 2024

  
           

Interest

                    

Interest

                    

Interest

          
   

Average

    

Earned/

    

Yield/

    

Average

    

Earned/

    

Yield/

    

Average

    

Earned/

    

Yield/

  

(Dollars in thousands)

  

Balance

    

Paid

    

Rate (5)

    

Balance

    

Paid

    

Rate (5)

    

Balance

    

Paid

    

Rate (5)

  

Assets:

                                                                        

Interest-earning assets:

                                                                        

Loans (1)

   $ 1,320,244     $ 20,085       6.09 %   $ 1,291,583     $ 19,307       5.98 %   $ 1,328,650     $ 20,311       6.11 %

Short-term investments

     87,843       984       4.48 %     90,198       1,013       4.49 %     102,395       1,318       5.15 %

Debt securities available-for-sale

     24,786       182       2.94 %     25,594       190       2.97 %     27,485       206       3.00 %

Federal Home Loan Bank stock

     2,596       49       7.55 %     2,696       70       10.39 %     1,865       37       7.94 %

Total interest-earning assets

     1,435,469       21,300       5.94 %     1,410,071       20,580       5.84 %     1,460,395       21,872       5.99 %

Noninterest earning assets

     87,489                       92,277                       104,388                  

Total assets

   $ 1,522,958                     $ 1,502,348                     $ 1,564,783                  

Liabilities and shareholders' equity:

                                                                        

Interest-bearing liabilities:

                                                                        

Savings accounts

   $ 106,622     $ 215       0.81 %   $ 118,713     $ 264       0.89 %   $ 215,344     $ 1,646       3.06 %

Money market accounts

     446,440       3,733       3.34 %     447,792       3,756       3.36 %     456,566       4,499       3.94 %

NOW accounts

     92,260       395       1.71 %     72,893       257       1.41 %     69,737       225       1.29 %

Certificates of deposit

     287,166       2,918       4.06 %     268,879       3,092       4.60 %     251,361       3,237       5.15 %

Total interest-bearing deposits

     932,488       7,261       3.11 %     908,277       7,369       3.25 %     993,008       9,607       3.87 %

Borrowings

                                                                        

Short-term borrowings

     43,989       482       4.38 %     37,922       306       3.23 %     17,439       281       6.45 %

Long-term borrowings

     9,507       30       1.26 %     9,542       30       1.26 %     9,642       31       1.29 %

Total borrowings

     53,496       512       3.83 %     47,464       336       2.83 %     27,081       312       4.61 %

Total interest-bearing liabilities

     985,984       7,773       3.15 %     955,741       7,705       3.22 %     1,020,089       9,919       3.89 %

Noninterest-bearing liabilities:

                                                                        

Noninterest-bearing deposits

     292,421                       304,601                       306,081                  

Other noninterest-bearing liabilities

     7,920                       8,277                       10,519                  

Total liabilities

     1,286,325                       1,268,619                       1,336,689                  

Total equity

     236,633                       233,729                       228,094                  

Total liabilities and equity

   $ 1,522,958                     $ 1,502,348                     $ 1,564,783                  

Net interest income

           $ 13,527                     $ 12,875                     $ 11,953          

Interest rate spread (2)

                     2.79 %                     2.62 %                     2.10 %

Net interest-earning assets (3)

   $ 449,485                     $ 454,330                     $ 440,306                  

Net interest margin (4)

                     3.77 %                     3.65 %                     3.27 %

Average interest-earning assets to interest-bearing liabilities

     145.59 %                     147.54 %                     143.16 %                

 

(1)

Interest earned/paid on loans includes $659,000, $780,000, and $660,000 in loan fee income for the three months ended June 30, 2025, March 31, 2025, and June 30, 2024, respectively.

(2)

Interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.

(3)

Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(4)

Net interest margin represents net interest income as a percentage of average interest-earning assets.

(5)

Annualized.

 

 
 

 

   

For the Six Months Ended

  
   

June 30, 2025

    

June 30, 2024

  
           

Interest

                    

Interest

          
   

Average

    

Earned/

    

Yield/

    

Average

    

Earned/

    

Yield/

  

(Dollars in thousands)

  

Balance

    

Paid

    

Rate (5)

    

Balance

    

Paid

    

Rate (5)

  

Assets:

                                                

Interest-earning assets:

                                                

Loans (1)

   $ 1,305,993     $ 39,392       6.03 %   $ 1,325,955     $ 40,380       6.09 %

Short-term investments

     89,014       1,997       4.49 %     112,971       3,047       5.39 %

Debt securities available-for-sale

     25,187       371       2.95 %     27,859       411       2.95 %

Federal Home Loan Bank stock

     2,646       120       9.07 %     1,824       69       7.57 %

Total interest-earning assets

     1,422,840       41,880       5.89 %     1,468,609       43,907       5.98 %

Noninterest earning assets

     89,870                       101,639                  

Total assets

   $ 1,512,710                     $ 1,570,248                  

Liabilities and shareholders' equity:

                                                

Interest-bearing liabilities:

                                                

Savings accounts

   $ 112,635     $ 479       0.85 %   $ 229,746     $ 3,607       3.14 %

Money market accounts

     447,112       7,489       3.35 %     455,724       8,737       3.83 %

NOW accounts

     82,630       652       1.58 %     76,284       408       1.07 %

Certificates of deposit

     278,073       6,010       4.32 %     240,989       6,195       5.14 %

Total interest-bearing deposits

     920,450       14,630       3.18 %     1,002,743       18,947       3.78 %

Borrowings

                                                

Short-term borrowings

     40,972       788       3.85 %     14,811       459       6.20 %

Long-term borrowings

     9,524       60       1.26 %     9,658       62       1.28 %

Total borrowings

     50,496       848       3.36 %     24,469       521       4.26 %

Total interest-bearing liabilities

     970,946       15,478       3.19 %     1,027,212       19,468       3.79 %

Noninterest-bearing liabilities:

                                                

Noninterest-bearing deposits

     298,477                       306,215                  

Other noninterest-bearing liabilities

     8,097                       11,280                  

Total liabilities

     1,277,520                       1,344,707                  

Total equity

     235,190                       225,541                  

Total liabilities and equity

   $ 1,512,710                     $ 1,570,248                  

Net interest income

           $ 26,402                     $ 24,439          

Interest rate spread (2)

                     2.70 %                     2.19 %

Net interest-earning assets (3)

   $ 451,894                     $ 441,397                  

Net interest margin (4)

                     3.71 %                     3.33 %

Average interest-earning assets to interest-bearing liabilities

     146.54 %                     142.97 %                

 

(1)

Interest earned/paid on loans includes $1.4 million in loan fee income for the six months ended June 30, 2025 and June 30, 2024.

(2)

Interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.

(3)

Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(4)

Net interest margin represents net interest income as a percent of average interest-earning assets.

(5)

Annualized.

 

 
 

 

Provident Bancorp, Inc.

Select Financial Highlights

(Unaudited)

 

   

Three Months Ended

    

Six Months Ended

  
   

June 30,

    

March 31,

    

June 30,

    

June 30,

  
   

2025

    

2025

    

2024

    

2025

    

2024

  

Performance Ratios:

                                        

Return (loss) on average assets (1)

     0.74 %     0.58 %     (0.85 %)     0.66 %     0.21 %

Return (loss) on average equity (1)

     4.77 %     3.71 %     (5.80 %)     4.25 %     1.48 %

Interest rate spread (1) (2)

     2.79 %     2.62 %     2.10 %     2.70 %     2.19 %

Net interest margin (1) (3)

     3.77 %     3.65 %     3.27 %     3.71 %     3.33 %

Noninterest expense to average assets (1)

     3.18 %     3.04 %     2.96 %     3.11 %     3.10 %

Efficiency ratio (4)

     76.73 %     80.20 %     86.03 %     78.38 %     89.06 %

Average interest-earning assets to average interest-bearing liabilities

     145.59 %     147.54 %     143.16 %     146.54 %     142.97 %

Average equity to average assets

     15.54 %     15.56 %     14.58 %     15.55 %     14.36 %

 

   

At

    

At

    

At

  
   

June 30,

    

March 31,

    

December 31,

  

(Dollars in thousands)

  

2025

    

2025

    

2024

  

Asset Quality

                        

Non-accrual loans:

                        

Commercial real estate

   $ 54     $ 217     $ 57  

Residential real estate

     420       360       366  

Commercial

     1,536       1,543       1,543  

Enterprise value

     32,430       29,298       18,920  

Consumer

     —       1       1  

Total non-accrual loans

     34,440       31,419       20,887  

Total non-performing assets

   $ 34,440     $ 31,419     $ 20,887  
                         

Asset Quality Ratios

                        

Allowance for credit losses for loans as a percent of total loans (5)

     1.58 %     1.59 %     1.59 %

Allowance for credit losses for loans as a percent of non-performing loans

     60.38 %     67.35 %     100.96 %

Non-performing loans as a percent of total loans (5)

     2.62 %     2.36 %     1.57 %

Non-performing loans as a percent of total assets

     2.24 %     2.02 %     1.31 %
                         

Capital and Share Related

                        

Shareholders' equity to total assets

     15.40 %     15.06 %     14.50 %

Book value per share

   $ 13.34     $ 13.16     $ 12.99  

Market value per share

   $ 12.49     $ 11.48     $ 11.40  

Shares outstanding

     17,788,038       17,788,543       17,788,543  

 

(1)

Annualized.

(2)

Interest rate spread represents the difference between the weighted average yield on average interest-earning assets and the weighted average cost of interest-bearing liabilities.

(3)

Net interest margin represents net interest income as a percent of average interest-earning assets.

(4)

The efficiency ratio represents noninterest expense divided by the sum of net interest income and noninterest income, excluding gains on securities available for sale, net (if applicable).

(5)

Loans are presented at amortized cost.

 

 
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