Side-by-side · Q2 2026 data
First Carolina Bank vs Providence Bank
Metric by metric
| Measure | First Carolina Bank | Providence Bank |
|---|---|---|
| TellerScore | 66 | 82 (stronger) |
| Capital cushion | 64 | 72 (stronger) |
| Loan quality | 73 | 96 (stronger) |
| Earnings | 51 | 92 (stronger) |
| Funding & liquidity | 62 (stronger) | 56 |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 40th | 93rd |
| Total assets | $3.4B | $1.5B |
| Deposits / shares | $2.9B | $1.3B |
| Capital ratio | 11.36% | 12.21% (stronger) |
| Problem loans | 0.81% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.78% | 1.80% (stronger) |
| Loans ÷ deposits | 94.8% (stronger) | 96.6% |
| Uninsured deposits | 17.7% (stronger) | 21.5% |
| Offices | 9 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Carolina Bank leads on 3 and Providence Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.