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Provident Financial Holdings Inc
NASDAQ:PROV
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Provident Financial Holdings is the bank holding company for Provident Savings Bank, a community bank that serves customers in Southern California. It takes deposits, makes loans, and offers everyday banking services to individuals, families, and small businesses. Its core products include checking and savings accounts, certificates of deposit, residential mortgages, and commercial real estate and business loans.
The company makes money mainly by earning interest on the loans it extends and by investing customer deposits in interest-bearing assets. It also earns fee income from banking services such as account activity and loan-related services. Like most community banks, it depends on the spread between what it pays depositors and what it earns on loans and investments.
What makes Provident Financial Holdings different is its role as a local lender with a strong focus on relationship banking rather than a large national branch network. It serves customers who want a bank that can handle both day-to-day deposits and mortgage or business financing, while also staying close to the local markets where those customers live and work.
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