BlastPoint's Banking Scorecard
Providence Bank
Designations: ✓ Community bank
Rocky Mount, NC
10 branches across NC
Providence Bank has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.9% in tier
- + Efficiency Ratio 20.49% below tier average
- + Nonperforming Asset Ratio 0.61% below tier average
- + ROA 0.39% above tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.5% in tier
- - Credit Risk Growth: Bottom 21.9% in tier
- - Liquidity Strain: Bottom 43.7% in tier
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+7.7% YoY
+3.9% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$1.2B
+6.1% YoY
+3.3% QoQ
|
-$756.4M |
$2.0B
+0.6% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$1.2B
+7.7% YoY
+4.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.76%
+7.9% YoY
-1.6% QoQ
|
+0.39% |
1.37%
+19.6% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
4.08%
+5.5% YoY
+0.9% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
40.57%
-3.4% YoY
+0.4% QoQ
|
-20.49% |
61.06%
-4.6% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Top 7.5% in tier |
| Delinquency Rate ? |
0.08%
+70.5% YoY
+2.3% QoQ
|
-0.81% |
0.89%
+14.1% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Top 9.4% in tier |
| Loan-to-Deposit Ratio ? |
97.01%
-1.5% YoY
-1.4% QoQ
|
+12.80% |
84.20%
+0.3% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
15.06%
+2.1% YoY
-2.7% QoQ
|
-6.23% |
21.29%
-2.5% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.06%
+67.9% YoY
+1.7% QoQ
|
-0.61% |
0.67%
+15.6% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 9.6% in tier |
| Tier 1 Capital Ratio ? |
13.26%
+2.9% YoY
-0.5% QoQ
|
-1.90% |
15.16%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.03%
-2.7% YoY
-78.6% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.