WEST COLUMBIA, SC
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)PROVIDENT BUSINESS FINANCIAL SERVICES INC, founded in 2002, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. Expenses of $1.0M left a modest 12% surplus.
THE PURPOSE OF THE ORGANIZATION IS TO ACT AS A DEVELOPMENT FINANCE INSTITUTION TO PROMOTE THE GROWTH OF PRODUCTIVE PRIVATE INVESTMENT AND TO ASSIST BUSINESS ENTERPRISES THAT WILL CONTRIBUTE TO THE ECONOMIC DEVELOPMENT OF THE STATE OF SOUTH CAROLINA AND THROUGHOUT THE UNITED STATES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $1,160,067 | $1,255,267 | -0.1% |
| Expenses | $1,017,572 | $1,112,566 | -0.1% |
| Net Income | $142,495 | $142,701 | 0.0% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MARK RAINES | BOARD CHAIRM | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| HENRY M POSTON | VICE-CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| PATRICA C HARTUNG | SEC/TREAS | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| BO ARMSTRONG | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ED BEAMAN | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| TOM EWART | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| CHARLES A SMITH | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| KEITH BLACK | PRESIDENT AN | 40.00 |
Officer
Director
|
$225,500 | $25,530 | $251,030 |
| SUSAN REDMON | LOAN UNDERWR | 40.00 |
Highest
|
$132,000 | $19,920 | $151,920 |
| TRINA DORSEY | LOAN UNDERWR | 40.00 |
Highest
|
$117,700 | $19,062 | $136,762 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $1,160,067 | $1,017,572 | $988,454 | $142,495 |
| 2024 | $1,255,267 | $1,112,566 | $845,959 | $142,701 |
| 2023 | $984,428 | $889,125 | $711,362 | $95,303 |
| 2022 | $1,000,937 | $872,068 | $635,455 | $128,869 |
| 2021 | $980,704 | $866,591 | $539,066 | $114,113 |
| 2020 | $721,430 | $651,243 | $434,793 | $70,187 |
| 2019 | $611,577 | $500,260 | $390,467 | $111,317 |
Compare PROVIDENT BUSINESS FINANCIAL SERVICES INC with other nonprofits in South Carolina and across the country.