Side-by-side · Q2 2026 data
First-Citizens Bank & Trust Company vs Providence Bank
Metric by metric
| Measure | First-Citizens Bank & Trust Company | Providence Bank |
|---|---|---|
| TellerScore | 58 | 82 (stronger) |
| Capital cushion | 47 | 72 (stronger) |
| Loan quality | 63 | 96 (stronger) |
| Earnings | 61 | 92 (stronger) |
| Funding & liquidity | 49 | 56 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 21st | 93rd |
| Total assets | $236.3B | $1.5B |
| Deposits / shares | $174.0B | $1.3B |
| Capital ratio | 9.75% | 12.21% (stronger) |
| Problem loans | 1.12% | 0.12% (stronger) |
| Net charge-offs | 0.29% | 0.00% (stronger) |
| Return on assets | 1.03% | 1.80% (stronger) |
| Loans ÷ deposits | 86.0% (stronger) | 96.6% |
| Uninsured deposits | 37.4% | 21.5% (stronger) |
| Offices | 510 | 10 |
| CFPB complaints (3 yrs) | 632 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 22.5% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First-Citizens Bank & Trust Company leads on 1 and Providence Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.