Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs Providence Bank
Metric by metric
| Measure | Piedmont Federal Savings Bank | Providence Bank |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 95 | 96 (stronger) |
| Earnings | 28 | 92 (stronger) |
| Funding & liquidity | 58 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 86th | 93rd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $973.7M | $1.3B |
| Capital ratio | 18.60% (stronger) | 12.21% |
| Problem loans | 0.16% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.21% | 1.80% (stronger) |
| Loans ÷ deposits | 93.5% (stronger) | 96.6% |
| Uninsured deposits | 23.2% | 21.5% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 3 and Providence Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.