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Select Bank

$100M-$1B Specialty: Commercial VA FDIC cert 58563

Forest, VA

6 branches across VA · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +0.4% year over year ($448.4M on the books).
  • Delinquency rate 1.07%.
  • Return on assets 1.22%.
  • Efficiency ratio 55.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Select Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.06% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 23.5% in tier
  • - Credit Quality Pressure: Bottom 48.6% in tier
  • - Loan-to-Deposit Ratio 23.71% above tier average
  • - ROA 0.10% below tier average
  • - Net Interest Margin 0.52% below tier average
Get updates when Select Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $524.4M
+4.6% YoY +4.8% QoQ
+$137.9M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $455.9M
+5.1% YoY +3.9% QoQ
+$197.5M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $448.4M
+0.4% YoY -1.8% QoQ
+$121.7M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.22%
+39.9% YoY +2.5% QoQ
-0.10% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.47%
+14.3% YoY -2.3% QoQ
-0.52% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 55.42%
-14.9% YoY +2.5% QoQ
-9.06% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 1.07%
+19.7% YoY +97.7% QoQ
+0.15% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 101.66%
+4.7% YoY +5.8% QoQ
+23.71% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Bottom 8.1% in tier
Non-Interest-Bearing Deposit Share ? 12.32%
+28.0% YoY -9.9% QoQ
-9.71% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 0.93%
+20.2% YoY +96.0% QoQ
+0.26% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 11.52%
+3.2% YoY -3.1% QoQ
-4.39% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.15%
+23.5% YoY +122.6% QoQ
-0.41% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 12.3%
+2.7pp YoY
-1.4pp QoQ
 -9.8pp 22.1% 26.2% 22.2% 15%
Brokered Deposits 2.8%
0.0pp YoY
+0.1pp QoQ
 -5.0pp 7.9% 8.5% 8.5% 37%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 10.9%
-2.9pp YoY
-1.1pp QoQ
 -0.7pp 11.6% 11.0% 12.5% 58%
CRE 45.6%
+2.5pp YoY
+1.7pp QoQ
 +6.1pp 39.5% 46.9% 41.4% 63%
1-4 Family 42.4%
0.0pp YoY
-0.4pp QoQ
 +9.8pp 32.6% 32.6% 31.3% 74%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 8.0% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 11.5%
+0.4pp YoY
-0.4pp QoQ
 -7.3pp 18.8% 17.2% 19.7% 12%
Leverage Ratio 9.5%
+0.8pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 12.2% 12.6% 22%
Total Capital Ratio 12.4%
+0.3pp YoY
-0.4pp QoQ
 -7.6pp 19.9% 18.3% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 58
+5 (+9.4%) YoY
0 QoQ
 -1 58 1,956 482 61%
Assets per Employee ($) $9.0M
-4.4% YoY
+4.8% QoQ
 +$1.5M $7.5M $9.9M $8.8M 80%
Branch Count 6
0 YoY
0 QoQ
 +1 4 28 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.1%
+0.2pp YoY
+0.5pp QoQ
 +0.1pp 0.9% 0.7% 1.0% 73%
Allowance Coverage 0.74x
-20.3% YoY
-51.3% QoQ
 -23.42x 24.15x 9.47x 20.23x 19%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 15.0%
+2.9pp YoY
+0.2pp QoQ
 +2.8pp 12.2% 12.0% 11.6% 68%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.7% 1.7% 91%
Net Income ($, YTD) $3.1M
+45.4% YoY
— QoQ
 +$576K $2.6M $137.1M $40.4M 71%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#221 of 936 • Bottom 23.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#612 of 1256 • Bottom 48.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.07%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

403
Total Loans
size
Value: $455.85M
Peer Median: $258.35M
#403 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (3 metrics)

2430
Loan-to-Deposit Ratio
liquidity
Value: 101.66%
Peer Median: 77.95%
#2430 of 2643 Bottom 8.1% in $100M-$1B
2237
Non-Interest-Bearing Deposit Share
funding
Value: 12.32%
Peer Median: 22.03%
#2237 of 2643 Bottom 15.4% in $100M-$1B
2059
Nonperforming Asset Ratio
credit_quality
Value: 0.93%
Peer Median: 0.67%
#2059 of 2643 Bottom 22.1% in $100M-$1B
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