Advertisement
Providence Bank
Rocky Mount, NC · FDIC Certificate #58239 · Chartered 03/1
Total assets
$1.51B
Total deposits
$1.29B
Total equity
$186.52M
Net loans
$1.25B
Branches (offices)
10
Net income (YTD)
$13.11M
Rank: #737 of 4,213 U.S. banks by assets · #11 of 38 in North Carolina. Assets changed 8.0% and deposits 8.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 14.35% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 12.32% |
| Tier 1 leverage ratio | 12.21% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.6% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.16B | 92.7% | |
| Commercial & industrial | $77.44M | 6.2% | |
| Consumer / individual | $21.99M | 1.8% | |
| Construction & development | $209.32M | 16.8% | |
| Agricultural | $683.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $749.06M | $612.88M | $6.56M | $85.43M |
| Jun 2023 | $879.64M | $698.34M | $8.21M | $102.51M |
| Jun 2024 | $1.26B | $1.06B | $7.50M | $147.50M |
| Jun 2025 | $1.40B | $1.19B | $11.33M | $166.75M |
| Jun 2026 | $1.51B | $1.29B | $13.11M | $186.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $1.29B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.29B.
Similar-sized banks
Deerwood Bank ($1.52B) · Bank Of Utica ($1.51B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement