BlastPoint's Banking Scorecard
Providence Bank
Community
Specialty: Commercial
NC
FDIC cert 58239
Rocky Mount, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Providence Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31% in Community
- + Efficiency Ratio 22.21% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40% in Community
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+6.7% YoY
+1.0% QoQ
|
+$13.4M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.2B
+4.5% YoY
-0.1% QoQ
|
+$194.3M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.2B
+6.3% YoY
+0.5% QoQ
|
+$23.9M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.79%
+13.7% YoY
+2.9% QoQ
|
+0.62% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.04%
+2.8% YoY
+1.0% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
40.42%
-3.6% YoY
-1.2% QoQ
|
-22.21% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.08%
-10.0% YoY
-14.2% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
98.42%
-1.7% YoY
-0.6% QoQ
|
+15.36% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
15.47%
+0.9% YoY
-0.2% QoQ
|
-5.57% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.06%
-11.8% YoY
-37.6% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
13.33%
+3.6% YoY
+1.9% QoQ
|
+3.09% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.16%
+21.2% YoY
+53.8% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#117 of 371 · Top 31% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.42%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Liquidity Strain
risk
#205 of 513 · Bottom 40% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.42%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Efficiency Ratio
Current: 40.42% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
61
61th pctile
Tier 1 Capital Ratio
Current: 13.33% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.47% · Tier avg: 21.05%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.42% · Tier avg: 83.06%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.42% · Tier avg: 83.06%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.47% · Tier avg: 21.05%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.33% · Tier avg: 10.24%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 40.42% · Tier avg: 62.63%