Providence Bank
Total assets
$1.51B
▲ +8.0% YoY
Deposits
$1.29B
▲ +8.7% YoY
Loans
$1.25B
▲ +7.2% YoY
Offices
10
PB FINANCIAL CORP
ROA (annualized)
1.80%
peers 1.26%
ROE (annualized)
14.35%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Providence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.5% | +2.6 pts |
| Deposit growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +7.2% | +5.9% | +1.3 pts |
| ROA | 1.80% | 1.26% | +0.5 pts |
| ROE | 14.3% | 12.2% | +2.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PB FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 450 N Winstead Ave, Rocky Mount, NC, 27804
- County
- Nash
- Metro area
- Rocky Mount, NC
- Offices
- 10
- FDIC cert #
- 58239
- RSSD ID
- 3404506
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.51B | $1.29B | $1.25B | $186.5M | $13.1M | 1.80% | 4.07% | 0.10% |
| Q1 2026 | $1.46B | $1.25B | $1.21B | $182.1M | $6.3M | 1.76% | 4.08% | 0.06% |
| Q4 2025 | $1.40B | $1.19B | $1.17B | $179.4M | $24.6M | 1.79% | 4.04% | 0.06% |
| Q3 2025 | $1.39B | $1.18B | $1.17B | $173.4M | $17.8M | 1.74% | 4.00% | 0.10% |
| Q2 2025 | $1.40B | $1.19B | $1.17B | $166.8M | $11.3M | 1.67% | 3.92% | 0.06% |
| Q1 2025 | $1.35B | $1.16B | $1.14B | $163.6M | $5.5M | 1.63% | 3.87% | 0.04% |
| Q4 2024 | $1.32B | $1.12B | $1.12B | $158.9M | $18.4M | 1.57% | 3.93% | 0.07% |
| Q3 2024 | $1.28B | $1.09B | $1.08B | $155.7M | $12.8M | 1.50% | 3.92% | 0.08% |
Loan mix (Q2 2026): real estate $1.16B · commercial $77.4M · consumer $22.0M · securities $167.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Providence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.70% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.9% | 59.0% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Providence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Providence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Providence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Providence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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