Providence Bank
Rocky Mount, NC
IDRSSD: 3404506
Total Assets
$1.40B
Latest filing
Total Deposits
$1.19B
Latest filing
Net Interest Margin
4.16%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053112657ROCKY MOUNT, NC
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Providence Bank
450 N Winstead Ave
Rocky Mount, NC 27804
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/14/2006FDIC Certificate 444132
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Providence Bank (Main) | 450 N Winstead Ave | Rocky Mount, NC |
| TARBORO BRANCH | 325 N Main St | Tarboro, NC |
| COASTAL BANK & TRUST BRANCH | 2414 N Marine Blvd | Jacksonville, NC |
| SUNSET AVENUE BRANCH | 2401 Sunset Ave | Rocky Mount, NC |
| NASHVILLE BRANCH | 241 W Washington St | Nashville, NC |
| HOLLY RIDGE BRANCH | 300 Us Highway 17 N | Holly Ridge, NC |
| RICHLANDS BRANCH | 8800 Richlands Hwy | Richlands, NC |
| RALEIGH BRANCH | 100 E Six Forks Rd | Raleigh, NC |
Showing 7 of 9
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Carolina Bank
Rocky Mount, North Carolina
→
Assets: $3.52BΔ +152.7%
North State Bank
Raleigh, North Carolina
→
Assets: $1.37BΔ -1.5%
Piedmont Federal Savings Bank
Winston Salem, North Carolina
→
Assets: $1.29BΔ -7.5%
Uwharrie Bank
Albemarle, North Carolina
→
Assets: $1.21BΔ -12.8%
Peoples Bank
Newton, North Carolina
→
Assets: $1.74BΔ +24.9%
Farmers & Merchants Bank
Granite Quarry, North Carolina
→
Assets: $947.19MΔ -31.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/14/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 27804 |
| State and County Number | 37127 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Rocky Mount, NC |
Operational Info
| Number of Employees | 98 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/09/2024 |
| Date of Deposit Insurance | 03/14/2006 |
| Primary Insurance Agency | DIF |
| Website | www.pbknc.com |
| Data Updated | 01/30/2026 |
| CERT | 58239 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.40B |
| Total Deposits | $1.19B |
| Total Liabilities | $1.23B |
| Total Equity Capital | $179.40M |
| Net Income | $6.77M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $14.48M |
| Bank Premises and Fixed Assets | $5.55M |
| Cash and Balances due from Depository Institutions | $24.15M |
| Deposits Held in Domestic Offices | $1.19B |
Key Performance Ratios
| Return on Assets (ROA) | 1.94% |
| Return on Equity (ROE) | 15.36% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 39.1% |
| Tier 1 Risk-Based Capital Ratio | 13.334% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.77% |
| Earning Assets to total Assets | 95.18% |
Income and Expense
| Total Interest Income | $22.43M |
| Total Noninterest Income | $793.00k |
| Total Interest Expense | $8.60M |
| Total Noninterest Expense | $5.96M |
| Net Interest Income | $13.83M |
| Pre-tax Net Operating Income | $8.46M |
| Provision for Credit Losses | $209.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.93M |
| Total Liabilities and Capital | $1.40B |
Securities
| Securities | $143.47M |
| Available-for-sale debt securities | $143.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Providence Bank?
$1.40B as of the latest filing.
How much are Providence Bank's total deposits?
$1.19B in total deposits.
Where is Providence Bank located?
Rocky Mount, NC.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
10.
When was it established?
03/14/2006.
What is the Return on Assets (ROA)?
1.94%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$22.43M.