Providence Bank
Rocky Mount, NC
IDRSSD: 3404506
Total Assets
$1.39B
Latest filing
Total Deposits
$1.18B
Latest filing
Net Interest Margin
4.13%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 95 |
| 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 | 11/14/2025 |
| CERT | 58239 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.39B |
| Total Deposits | $1.18B |
| Total Liabilities | $1.22B |
| Total Equity Capital | $173.40M |
| Net Income | $6.48M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $14.2M |
| Bank Premises and Fixed Assets | $5.38M |
| Cash and Balances due from Depository Institutions | $28.28M |
| Deposits Held in Domestic Offices | $1.18B |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 15.24% |
| Net Interest Margin | 4.13% |
| Efficiency Ratio | 39.39% |
| Tier 1 Risk-Based Capital Ratio | 13.092% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.462% |
| Earning Assets to total Assets | 95.14% |
Income and Expense
| Total Interest Income | $22.69M |
| Total Noninterest Income | $512.00k |
| Total Interest Expense | $8.99M |
| Total Noninterest Expense | $5.85M |
| Net Interest Income | $13.71M |
| Pre-tax Net Operating Income | $8.33M |
| Provision for Credit Losses | $41.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $370.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.45M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.92M |
| Total Liabilities and Capital | $1.39B |
Securities
| Securities | $130.06M |
| Available-for-sale debt securities | $130.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$1.39B as of the latest filing.
How much are Providence Bank's total deposits?
$1.18B in total deposits.
Where is Providence Bank located?
Rocky Mount, NC.
What is the Net Interest Margin?
4.13%.
How many domestic offices does it operate?
10.
When was it established?
03/14/2006.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$22.69M.