Providence Bank (FDIC #58239): Bank Stress & Real-Estate Credit Exposure
Providence Bank (FDIC Cert #58239): bank stress 46/100, moderate, STABLE over 7 days; parent PB FINANCIAL CORP.
Providence Bank (#58239) lends in 6 counties across 1 state; Providence Bank (#58239) reaches 107 ZIP codes: North Carolina 6 counties, 107 ZIPs.
Providence Bank (#58239) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#58239), Carteret County, NC (19 branches, 19 ZIPs) (#58239), Onslow County, NC (51 branches, 17 ZIPs) (#58239), Wilson County, NC (17 branches, 17 ZIPs) (#58239), Edgecombe County, NC (16 branches, 16 ZIPs) (#58239), Nash County, NC (45 branches, 15 ZIPs) (#58239).
Providence Bank (#58239) reports $1.51 billion in total assets; Providence Bank (#58239) equity $186.5 million (12.3% of Providence Bank (#58239) assets); Providence Bank (#58239) domestic deposits $1.29 billion; Providence Bank (#58239) net income $13.1 million; Providence Bank (#58239) return on assets 1.80%; Providence Bank (#58239) return on equity 14.35%; Providence Bank (#58239) net interest income $28.3 million; Providence Bank (#58239) call report June 30, 2026.
Providence Bank (#58239) noncurrent real-estate loans: none reported; Providence Bank (#58239) net charge-offs on real estate 0.13%; Providence Bank (#58239) residential charge-offs 0.19%.
Providence Bank (#58239) net interest margin 4.07% against an eight-quarter Providence Bank (#58239) average of 3.98% (Providence Bank (#58239) compression -0.09 points); Providence Bank (#58239) non-residential real estate 19.1% of equity; Providence Bank (#58239) rate-exposure score 40/100, Providence Bank (#58239) fixed-rate trap 40/100; Providence Bank (#58239) risk type credit driven; Providence Bank (#58239) rate regime rates elevated, Providence Bank (#58239) snapshot October 20, 2026.
Providence Bank (#58239) stress score moved from 45.3 on June 22, 2026 to 46.5 on October 20, 2026; Providence Bank (#58239) ranged 45.3 to 46.5 over 117 snapshots.
Providence Bank (#58239) alerts: 6 counties; top Providence Bank (#58239) alert scores: Wilson County, NC 35 (moderate); Morehead City County, NC 18 (low); Raleigh County, NC 18 (low); Richlands County, NC 18 (low); Rocky Mount County, NC 18 (low).