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Providence Bank


ACH Number: 53112314

Providence Bank is an FDIC insured institution headquartered at 450 N Winstead Ave, Rocky Mount, NC 27804.
It was founded in 2006 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - May 26, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.65% $10,000 Compare
6 Mo CD
0.65% $100,000 Compare
Special: 10 Mo CD
0.80% $1,000 Compare
12 Mo CD
0.70% $10,000 Compare
12 Mo CD
0.70% $100,000 Compare
Special: 16 Mo CD
0.90% $1,000 Compare
18 Mo CD
0.85% $10,000 Compare
18 Mo CD
0.85% $100,000 Compare
24 Mo CD
0.90% $10,000 Compare
24 Mo CD
0.90% $100,000 Compare
Special: 26 Mo CD
1.00% $1,000 Compare
30 Mo CD
0.90% $10,000 Compare
30 Mo CD
0.90% $100,000 Compare
Special: 48 Mo CD
1.10% $1,000 Compare
60 Mo CD
1.10% $10,000 Compare
60 Mo CD
1.10% $100,000 Compare
MM RATES APY MIN
Money Market
0.04% $2,500 Compare
Money Market
0.06% $10,000 Compare
Money Market
0.12% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 10 Mo FIRA
0.80% $1,000
Special: 16 Mo FIRA
0.90% $1,000
Special: 26 Mo FIRA
1.00% $1,000
Special: 48 Mo FIRA
1.10% $1,000
INT CHECKING RATES APY MIN
Int Ckg
1.00% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58239
Date Established 2006
Assets $ 1,404.87 million
Loans $ 1,169.75 million
Deposits $ 1,188.53 million
Capital $ 179.40 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 24.15 million
Interest-bearing balances $ 13.92 million
Total securities $ 143.47 million
Federal funds sold and reverse repurchase $ 10.07 million
Net loans and leases $ 1,169.75 million
Loan loss allowance $ 10.49 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 13.86 million
All other assets $ 27.53 million
     Total Assets $ 1,225.46 million

LIABILITIES
Total deposits $ 1,188.53 million
      Interest-bearing deposits $ 1,004.62 million
      Deposits held in domestic offices $ 1,188.53 million
      % insured (estimated)" 79.73%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 42.00 million
Subordinated debt N.A.
All other liabilities $ 4.26 millionn
      Total Liabilities $ 1,225.46 million
      Shareholders’ Equity $ 179.40 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 88.02 million
Total Interest Expense $ 35.28 million
Net interest income $ 52.74 million
Provision for loan and lease losses $ 0.55 million
Total non interest income $ 2.23 million
Total non interest expense $ 23.23 million
Pre-tax Net Operating Income $ 8.29 million

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