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Provident Bancorp (PVBC) investor relations material
Provident Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.8M ($0.17 per diluted share), reversing a $3.3M loss in Q2 2024; six-month net income was $5.0M ($0.29 per diluted share), up from $1.7M in the prior year period.
Return on average assets was 0.74% for Q2 2025 and 0.66% for the six months, both improved from prior year periods.
Announced a merger agreement with NB Bancorp, Inc. and Needham Bank in June 2025, with closing targeted for Q4 2025; shareholders can elect cash or stock, subject to proration and approvals.
Sale and leaseback of the main office generated a $745,000 gain in Q2 2025.
Financial highlights
Total assets decreased to $1.54B at June 30, 2025, down from $1.59B at year-end 2024.
Net loans declined 0.9% to $1.29B, mainly due to a 20.5% reduction in enterprise value loans.
Total deposits fell 3.9% to $1.26B, driven by decreases in retail and listing service deposits, partially offset by higher brokered deposits.
Net interest and dividend income rose to $13.5M in Q2 2025, up 5.1% sequentially and 13.2% year-over-year.
Noninterest expense increased 5.8% sequentially to $12.1M, mainly due to $543,000 in merger-related costs and a loss contingency for an SEC Wells Notice.
Outlook and guidance
Management expects Q2 and six-month results may not be indicative of full-year 2025 performance.
Merger with NB Bancorp and Needham Bank is progressing through approvals, with closing anticipated in Q4 2025.
The company is evaluating the impact of new tax legislation but does not expect a material effect.
Integration teams are working to ensure a smooth transition and unlock value from the combined franchise.
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Next Provident Bancorp earnings date
Q3 202524 Oct, 2025
Next Provident Bancorp earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Provident Bancorp, Inc. operates as the holding company for BankProv, a commercial bank providing a range of financial services. The company primarily focuses on offering commercial loans, deposit products, and cash management services to small and medium-sized businesses. BankProv also serves niche markets, including cryptocurrency, renewable energy, and specialty lending. The bank provides digital banking solutions and is known for its forward-thinking approach to integrating technology into its operations. Additionally, it offers personal banking services, such as checking and savings accounts, mortgages, and personal loans. The company is headquartered in Amesbury, Massachusetts, and its shares are listed on the NASDAQ.
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