Bank Comparison
North State Bank vs Providence Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 20
winning metrics across 24 comparable rows
Capital adequacy
| Metric | North State Bank | Providence Bank |
|---|---|---|
| CET1 Ratio | 11.15% | 13.26% |
| Tier 1 Capital Ratio | 11.15% | 13.26% |
| Total Capital Ratio | 11.87% | 14.12% |
| Tier 1 Leverage Ratio | 8.51% | 12.47% |
| Equity / Assets | 8.35% | 12.47% |
Profitability
| Metric | North State Bank | Providence Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.79% |
| Return on Equity (ROE) | 8.99% | 13.95% |
| Net Interest Margin (NIM) | 3.87% | 4.07% |
| Yield on Earning Assets | 5.29% | 6.48% |
| Cost of Funds | 1.49% | 2.65% |
Asset quality
| Metric | North State Bank | Providence Bank |
|---|---|---|
| Texas Ratio | 1.18% | 0.52% |
| Non-Performing Loan Ratio | 0.13% | 0.08% |
| Non-Performing Asset Ratio | 0.10% | 0.06% |
| Net Charge-Off Ratio | -0.08% | 0.00% |
| ACL / Loans | 0.66% | 0.88% |
Balance sheet
| Metric | North State Bank | Providence Bank |
|---|---|---|
| Total Assets | $1,457M | $1,459M |
| Total Deposits | $1,223M | $1,245M |
| Total Loans | $1,174M | $1,219M |
| Total Equity | $121,658K | $182,050K |
| Net Income (quarter) | $2,736K | $6,304K |
Liquidity & funding
| Metric | North State Bank | Providence Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.97% | 97.87% |
| Core Deposit Ratio | 98.98% | 89.81% |
| Uninsured Deposit Ratio | 33.07% | 21.05% |
Identity
| Metric | North State Bank | Providence Bank |
|---|---|---|
| Headquarters City | RALEIGH | ROCKY MOUNT |
| Headquarters State | NC | NC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 10 |
| Employees (FTE) | 196 | 98 |
| Established | June 1, 2000, midnight | March 14, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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