C
Providence Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Providence Bank
Rocky Mount, NC
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Rating C
Asset Quality Index 6.90
Capitalization Index 10.00
Liquidity Index 1.50
Profitability Index 8.60
Stability Index 5.00
Company Info Providence Bank
Rocky Mount, NC
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FDIC Number 58239
Phone Number (252) 443-9477
Website www.pbknc.com
Asset Quality Providence Bank
Rocky Mount, NC
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1-Year Asset Growth 11.22%
5-Year Asset Growth 34.95%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.23%
Non-Performing Loans to Loans 0.03%
Balance Sheet Providence Bank
Rocky Mount, NC
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Total Assets 1.40B
Total Deposits 1.19B
Capital and Reserves Providence Bank
Rocky Mount, NC
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Capital 166.75M
Leverage Ratio 11.78
Loan Loss Reserves to Loans 0.89%
Risk-Based Capital Ratio 13.78
Liquidity Providence Bank
Rocky Mount, NC
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Hot Money Ratio 34.83%
Liquidity Ratio 12.57%
Profitability Providence Bank
Rocky Mount, NC
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5-Year Return on Average Assets 1.65%
Net Income 11.33M
Net Interest Spread 3.86%
Operating Profit to Average Assets 2.12%
Overhead Efficiency Ratio 43.72%
Return on Assets 1.67%
Return on Equity 13.88%