No stored Google rating available.
North Carolina-based community bank founded in 2006, offering personal and business banking with FDIC insurance and local decision-making.
Data compiled from public sources
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Providence Bank was established on March 14, 2006, and has grown to become one of the nation's top 100 community banks, ranking #35 out of 3,465 institutions. The bank is backed by PB Financial Corporation, its holding company, which trades on the OTCQX exchange under the symbol PBNC. The institution was built on the foundational belief in the power of local banking and community relationships.
Providence Bank offers comprehensive personal and business banking services, including business lending, business checking accounts, personal checking and savings accounts, certificates of deposit (CDs), online and mobile banking, bill pay, and mobile check deposit for personal accounts. The bank provides digital banking tools accessible through desktop online banking, mobile apps available on Apple and Google Play, and remote deposit capture services. They also offer financial calculators to help customers with planning.
The bank distinguishes itself through its emphasis on local decision-making and community focus despite 20 years of growth. Providence Bank was the only North Carolina-based bank named to the 2025 OTCQX Best 50 list, recognized for top performance based on one-year total returns and average daily dollar volume growth. The institution actively serves small businesses, describing them as "the fuel and flavor" of their community, and has helped thousands of organizations access capital for growth.
Providence Bank is a legitimate, FDIC-insured community bank with established regulatory standing and institutional recognition. However, as a regional institution focused primarily on North Carolina operations, it may have more limited national reach and service options compared to larger national banks. The bank's strength lies in relationship-based community banking rather than cutting-edge financial technology or the broadest product suite.
This is state-level context for Banks consumers in Rocky Mount, NC. It does not confirm that Providence Bank or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Providence Bank offers 12 services including Business lending and capital access programs, Business checking accounts, Personal checking and savings accounts, Certificates of Deposit (CDs) with promotional rates, Online banking for personal and business accounts, and 7 more.
Providence Bank has profile signals associated with Small business owners in North Carolina seeking relationship-based lending and local decision-making, Community-focused individuals in North Carolina wanting FDIC-insured banking from a top-performing regional bank, Business customers needing digital banking tools including online and mobile account management, Customers prioritizing personalized service and local branch access over large national bank convenience.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Ranked #35 among nation's top 100 community banks out of 3,465 institutions; Only North Carolina-based bank named to 2025 OTCQX Best 50 list. Areas to consider: Limited to primarily North Carolina geographic footprint with physical branch access constraints; Smaller institution may have fewer product offerings or listed services compared to national banks.
In the Banks category, comparable providers include American Bank of the Carolinas, Skyla Headquarters, United Community Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Providence Bank is profile signals for small business owners and individuals in North Carolina seeking personalized, relationship-focused community banking with FDIC insurance and local decision-making. The main caveat is that as a regional institution, it operates primarily in North Carolina and may have limited product breadth compared to larger national banks, with current technical issues affecting online enrollment functionality.
FDIC-insured community bank serving the Carolinas with local lending decisions, business loans, personal loans, and checking accounts through relationship banking.
Profile signals: Small business owners seeking commercial loans with local underwriting and relationship banking in NC, Individuals and families in the Carolinas wanting community-focused personal banking with local decision-makers
Skyla Credit Union is a full-service financial institution offering checking, savings, loans, credit cards, and business banking with digital-first services and fraud protection.
Google rating from 249 reviews
Profile signals: Credit union members seeking high-yield checking and savings accounts with digital banking convenience, Consumers interested in comprehensive financial services including lending and credit products from one institution
United Community is an FDIC-insured bank offering personal and business checking, savings, loans, mortgages, and wealth management across multiple locations.
Google rating from 1 review
Profile signals: Small to mid-sized business owners seeking listed lending (SBA, equipment, working capital), First-time homebuyers looking for down payment assistance and mortgage guidance
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