Nonprofit · EIN 33-1037188
PROVIDENT BUSINESS FINANCIAL SERVICES INC
Tax-exempt · WEST COLUMBIA, SC 29169
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,160,067 | $1,017,572 | $142,495 | $988,454 | $0 | $988,454 |
| December 31, 2024 | 990 | $1,255,267 | $1,112,566 | $142,701 | $845,959 | $0 | $845,959 |
| December 31, 2023 | 990 | $984,428 | $889,125 | $95,303 | $711,362 | $8,104 | $703,258 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,048,429
- Investment income
- $111,638
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $225,500
- Other salaries and wages
- $544,314
- Salaries, compensation and benefits (total)
- $857,126
- Professional fundraising fees
- $0
- Legal fees
- $211
- Occupancy
- $33,000
- Travel
- $21,557
- Depreciation
- $1,822
- Program services (functional)
- $842,535
- Management and general (functional)
- $175,037
Balance sheet and other
- Total assets, start of year
- $845,959
- Total assets, end of year
- $988,454
- Total liabilities, end of year
- $0
- Net assets, end of year
- $988,454
- Land, buildings and equipment
- $11,738
- Net assets without donor restrictions
- $988,454
- Gross receipts
- $1,160,067
- Employees
- 8
- Year formed
- 2002
- State of legal domicile
- SC
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KEITH BLACK | PRESIDENT AN Trustee or director, Officer | 40 | $225,500 | $25,530 |
| SUSAN REDMON | LOAN UNDERWR Highest-paid employee | 40 | $132,000 | $19,920 |
| TRINA DORSEY | LOAN UNDERWR Highest-paid employee | 40 | $117,700 | $19,062 |
| MARK RAINES | BOARD CHAIRM Trustee or director, Officer | 1 | $0 | $0 |
| HENRY M POSTON | VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| PATRICA C HARTUNG | SEC/TREAS Trustee or director, Officer | 1 | $0 | $0 |
| BO ARMSTRONG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ED BEAMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TOM EWART | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHARLES A SMITH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KEITH BLACK | PRESIDENT AN Trustee or director, Officer | 40 | $215,800 | $12,948 |
| SUSAN REDMON | LOAN UNDERWR Highest-paid employee | 40 | $126,524 | $7,591 |
| TRINA DORSEY | LOAN UNDERWR Highest-paid employee | 40 | $110,000 | $6,600 |
| JEFFREY BURGESS | BOARD CHAIRM Trustee or director, Officer | 1 | $0 | $0 |
| MARK RAINES | INTERIM BOAR Trustee or director, Officer | 1 | $0 | $0 |
| PATRICA C HARTUNG | SEC/TREAS Trustee or director, Officer | 1 | $0 | $0 |
| TOM EWART | LOAN COMMITT Trustee or director, Officer | 1 | $0 | $0 |
| BO ARMSTRONG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HENRY M POSTON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHARLES A SMITH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ED BEAMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KEITH BLACK | PRESIDENT AN Officer | 40 | $188,650 | $11,319 |
| SUSAN REDMON | LOAN UNDERWR Highest-paid employee | 40 | $131,524 | $0 |
| TRINA DORSEY | LOAN UNDERWR Highest-paid employee | 40 | $108,583 | $6,515 |
| JEFFREY BURGESS | BOARD CHAIRM Trustee or director, Officer | 1 | $0 | $0 |
| MARK RAINES | VICE CHAIRMA Trustee or director, Officer | 1 | $0 | $0 |
| PATRICA C HARTUNG | SEC/TREAS Trustee or director, Officer | 1 | $0 | $0 |
| TOM EWART | LOAN COMMITT Trustee or director, Officer | 1 | $0 | $0 |
| BO ARMSTRONG | BOARD MEMBER Trustee or director, Officer | 1 | $0 | $0 |
| VIRGINIA LEE | BOARD MEMBER Trustee or director, Officer | 1 | $0 | $0 |
| TED O MCGEE JR | BOARD MEMBER Trustee or director, Officer | 1 | $0 | $0 |
| HENRY M POSTON | BOARD MEMBER Trustee or director, Officer | 1 | $0 | $0 |
| CHARLES A SMITH | BOARD MEMBER Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3125 HEBRON DR STE 201, WEST COLUMBIA, SC 29169-3047
- In care of
- % KEITH BLACK
- Principal officer (990 for 2025)
- KEITH BLACK, 3125 HEBRON DRIVE, WEST COLUMBIA, SC 29169
- Signed the 990
- KEITH BLACK, PRESIDENT AND CEO
- Phone
- (803) 791-0071
- Website
- WWW.PROVIDENTBFS.COM
- Return prepared by
- SCOTT AND COMPANY LLC
Mission
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.
Program accomplishments
- PROVIDENT BUSINESS FINANCIAL SERVICES, INC. (PBFS) ACTS 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 THROUGHOUT THE UNITED STATES OF AMERICA. PFBS PROCESSED 4,818,000 IN SBA 504 DEBENTURES TO ASSIST 3 BUSINESSES IN THE CREATION OR RETENTION OF 62 JOBS. PFBS SERVICED SBA 504 DEBENTURES IN THE AMOUNT OF 93,092,372 FOR THE CREATION AND MAINTENANCE OF A TOTAL OF 3,742 JOBS.Expenses $842,535 · revenue $1,048,429
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 33-1037188
- Tax-exempt status
- 501(c)(4): Social welfare organization
- Donations deductible
- No
- Exempt since
- 2005
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S43)
- Assets (IRS master file)
- $988,454
- Income (IRS master file)
- $1,160,067
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,160,067 | $1,017,572 | $988,454 | XML |
| 990 | December 2024 | $1,255,267 | $1,112,566 | $845,959 | IRS |
| 990 | December 2023 | $984,428 | $889,125 | $711,362 | XML |
| 990 | December 2022 | $1,000,937 | $872,068 | $635,455 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 33-1037188).
Questions about PROVIDENT BUSINESS FINANCIAL SERVICES INC
- What is the EIN of PROVIDENT BUSINESS FINANCIAL SERVICES INC?
- The employer identification number (EIN) of PROVIDENT BUSINESS FINANCIAL SERVICES INC is 33-1037188.
- Is PROVIDENT BUSINESS FINANCIAL SERVICES INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(4) since 2005.
- Are donations to PROVIDENT BUSINESS FINANCIAL SERVICES INC tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does PROVIDENT BUSINESS FINANCIAL SERVICES INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of PROVIDENT BUSINESS FINANCIAL SERVICES INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did PROVIDENT BUSINESS FINANCIAL SERVICES INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of PROVIDENT BUSINESS FINANCIAL SERVICES INC?
- The 990 for the year ended December 31, 2025 names KEITH BLACK.
- Who are the officers and directors of PROVIDENT BUSINESS FINANCIAL SERVICES INC?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $225,500 (KEITH BLACK, PRESIDENT AN).
- How much revenue does PROVIDENT BUSINESS FINANCIAL SERVICES INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,160,067, expenses of $1,017,572 and total assets of $988,454 at year end.
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All nonprofits in WEST COLUMBIA · South Carolina · Community improvement and capacity building