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Providence Bank

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Providence Bank Rates & Review April 2026

Q: How many branches does Providence Bank operate?

Providence Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Providence Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Providence Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

Providence Bank's 20-Month CD rates are at 20.00%. MonitorBankRates evaluates the financial stability of Providence Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/29/2026.

Providence Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Providence Bank? Share your experience about Providence Bank by leaving a review below, or read customer reviews before you decide to use Providence Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Providence Bank

2414 N Marine Blvd
Jacksonville, NC 28546

https://www.pbknc.com/

Current Rate Availability

We do not have Providence Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Providence Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Providence Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Providence Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Providence Bank

FDIC Certificate # 58899

Address 2414 N Marine Blvd, Jacksonville, NC 28546 · Onslow

Website https://www.pbknc.com/

Established 04/13/2009

FDIC Insurance Date 04/13/2009

Domestic Offices 4

Total Branches 0

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2294%

Return on Equity (ROE) 12.3900%

Non-Performing Loans (NPL) 0.00%

Total Assets $223,020,000

Total Deposits $198,719,000

Equity Capital $23,277,000

Net Income $913,000

Headquarters Jacksonville

Total Offices 4

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Providence Bank

Is Providence Bank a safe place to deposit money?

Yes, Providence Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Providence Bank operate?

Providence Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Providence Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Providence Bank provides members with tools to manage their accounts and build a solid financial history.

Does Providence Bank offer online and mobile banking?

Most modern institutions like Providence Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pbknc.com/.