Providence Bank
Rocky Mount, NC · Cert 58239 · Peer group: banks $1B-$10B in assets (n=322-328) · PB Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
$1.5BAssets
$1.3BLoans
$1.3BDeposits
$186.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks $1B-$10B in assets (rank 23 of 328).
- Widest gap: total risk-based capital ratio trails 79% of banks $1B-$10B in assets (rank 260 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.73%
Rank 55 of 328
Net Interest Margin
3.86%
Rank 77 of 328
Efficiency Ratio
41.48%
Rank 23 of 328
Equity / Assets
12.32%
Rank 69 of 328
Non-interest income vs. expense
Unfavorable gap of $22.3M · efficiency ratio beats 93% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.91% | 1.22% | 1.52% | Beats 83% | 55 / 328 | | |
| Return on Equity | 14.06% | 8.43% | 11.45% | 14.43% | Beats 71% | 94 / 328 | | |
| Net Interest Margin | 3.86% | 3.03% | 3.45% | 3.83% | Beats 77% | 77 / 328 | | |
| Efficiency Ratio | 41.48% | 51.61% | 59.56% | 67.53% | Beats 93% | 23 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.24% | 0.51% | 1.03% | Beats 85% | 48 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 91% | 29 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.21% | 11.75% | 13.15% | 15.47% | Beats 34% | 215 / 328 | | |
| Total Risk-Based Capital Ratio | 12.21% | 12.63% | 14.15% | 16.46% | Beats 21% | 260 / 328 | | |
| Equity / Assets | 12.32% | 9.15% | 10.33% | 12.01% | Beats 79% | 69 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.47% | 76.63% | 87.92% | 95.36% | 80th pctl | 64 / 323 | | |
| Loans / Assets | 83.21% | 65.18% | 74.15% | 79.98% | 86th pctl | 46 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |