PFS Bancorp (PFSB) Provision for Credit Losses (2022 - 2026)
PFS Bancorp (PFSB) posted Provision for Credit Losses of $39,000 for Q3 2026, down 2.5% from $40,000 a year earlier but up 56.0% from the prior quarter.
Powered by 
Analysis
PFS Bancorp (PFSB) Provision for Credit Losses (2022 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Provision for Credit Losses at PFS Bancorp was $74,000, down 58.7% year-over-year; for FY2025, it came in at $148,000, down 12.9% from FY2024.
- Annual Provision for Credit Losses shows a three-year compound annual growth rate of 34.4% (FY2022 to FY2025).
- In prior years, PFS Bancorp's Provision for Credit Losses was $170,000 in FY2024 (+71.7%), $99,000 in FY2023 (+62.3%) and $61,000 in FY2022.
- Quarterly Provision for Credit Losses has run from a low of -$31,000 in Q2 2022 to a high of $156,000 in Q3 2024 over five years.
- On a year-over-year basis, Provision for Credit Losses has declined in each of the last three quarters, with growth averaging 95.9% over the last seven quarters.
- The strongest year-over-year quarter for Provision for Credit Losses in the past five years was Q2 2025, with growth of 871.4%; the weakest was Q3 2025, with a decline of 74.4%.
- According to Business Quant data, Provision for Credit Losses for the three prior quarters was $25,000 (Q2 2026), $15,000 (Q1 2026) and -$5,000 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | 838.45 Bn |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 1.24 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 103.00 Mn |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 717.20 Mn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 368.00 Mn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 1.03 Bn |
| 10 | PFS Bancorp | 31.95 Mn | 25.15 Mn | - | 39,000.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 39,000.00 |
| Jun 30, 2026 | 25,000.00 |
| Mar 31, 2026 | 15,000.00 |
| Dec 31, 2025 | -5,000.00 |
| Sep 30, 2025 | 40,000.00 |
| Jun 30, 2025 | 68,000.00 |
| Mar 31, 2025 | 56,000.00 |
| Dec 31, 2024 | 15,000.00 |
| Sep 30, 2024 | 156,000.00 |
| Jun 30, 2024 | 7,000.00 |
| Mar 31, 2024 | 31,000.00 |
| Dec 31, 2023 | 46,000.00 |
| Sep 30, 2023 | 71,000.00 |
| Jun 30, 2023 | -16,000.00 |
| Mar 31, 2023 | -11,000.00 |
| Dec 31, 2022 | -10,000.00 |
| Sep 30, 2022 | 65,000.00 |
| Jun 30, 2022 | -31,000.00 |
API Access
PFS Bancorp Provision for Credit Losses API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=provision-for-credit-losses&ticker=PFSB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "ticker": "PFSB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=provision-for-credit-losses&ticker=PFSB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();