The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 82).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in North Carolina

Yes. Providence Bank is an FDIC-insured institution (FDIC certificate #58239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.5% of deposits ($278.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Providence Bank lists 10 offices in 9 cities. Most locations:

• Rocky Mount, NC (2)
• Holly Ridge, NC (1)
• Jacksonville, NC (1)
• Morehead City, NC (1)
• Nashville, NC (1)
• Raleigh, NC (1)
• Richlands, NC (1)
• Tarboro, NC (1)
• Wilson, NC (1)

All branch addresses and map

In 2025, Providence Bank reported 97 home-loan applications under HMDA (LEI 54930084GJFEXBIOGU45): 85 originated ($42,055,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Providence Bank

Type

State-chartered bank

FDIC certificate #

58239

RSSD ID

3404506

Primary regulator

FDIC

Holding company

Pb Financial Corp

Established

March 14, 2006

Headquarters

450 N Winstead Ave, Rocky Mount, NC 27804

Website

www.pbknc.com

Employees

96