Side-by-side · Q2 2026 data
North State Bank vs Providence Bank
Metric by metric
| Measure | North State Bank | Providence Bank |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 35 | 72 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 52 | 92 (stronger) |
| Funding & liquidity | 49 | 56 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 24th | 93rd |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 8.50% | 12.21% (stronger) |
| Problem loans | 0.17% | 0.12% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.79% | 1.80% (stronger) |
| Loans ÷ deposits | 94.2% (stronger) | 96.6% |
| Uninsured deposits | 30.9% | 21.5% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), North State Bank leads on 2 and Providence Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.