Side-by-side · Q2 2026 data
Providence Bank vs Live Oak Banking Company
Metric by metric
| Measure | Providence Bank | Live Oak Banking Company |
|---|---|---|
| TellerScore | 82 (stronger) | 33 |
| Capital cushion | 72 (stronger) | 30 |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 92 (stronger) | 58 |
| Funding & liquidity | 56 | 70 (stronger) |
| Problem-loan coverage | 98 (stronger) | 23 |
| Peer percentile | 93rd | 2nd |
| Total assets | $1.5B | $16.0B |
| Deposits / shares | $1.3B | $14.7B |
| Capital ratio | 12.21% (stronger) | 7.99% |
| Problem loans | 0.12% (stronger) | 4.01% |
| Net charge-offs | 0.00% (stronger) | 0.67% |
| Return on assets | 1.80% (stronger) | 0.96% |
| Loans ÷ deposits | 96.6% | 88.2% (stronger) |
| Uninsured deposits | 21.5% | 16.6% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | 101 |
| Complaints per $1B deposits | — | 6.9 |
| Mortgage denial rate (HMDA) | 5.6% | — |
Providence Bank has the higher TellerScore (82 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Providence Bank leads on 5 and Live Oak Banking Company on 2. 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.