Provident Financial Holdings, Inc. is a savings and loan holding company that owns Provident Savings Bank, a community bank headquartered in Riverside, California, serving consumers and small to mid-sized businesses in Southern California's Inland Empire region. The Bank generates revenues primarily through interest earned on its loan and investment portfolios, with lending activities representing the core business—the loan portfolio is dominated by single-family and multi-family residential mortgages, supplemented by commercial real estate, construction, and consumer loans, along with an investment portfolio of mortgage-backed securities. Funding comes from customer deposits supplemented by borrowings from the Federal Home Loan Bank, and the Bank competes with large national and regional banks, other community institutions, credit unions, and fintech entities in its local market.