BlastPoint's Banking Scorecard

Select Bank

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

Forest, VA

6 branches across VA · NC

2664 banks in the $100M-$1B peer group nationally 22 in VA

Select Bank has 2 strengths but faces 3 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 11.24% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.7% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.38% below tier average

Get updates when Select Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$500.4M +1.2% YoY -2.4% QoQ	+$114.3M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$438.8M +3.0% YoY -0.4% QoQ	+$183.1M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$456.7M +2.3% YoY -1.8% QoQ	+$128.8M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.19% +50.5% YoY +25.8% QoQ	-0.08%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	3.55% +22.9% YoY +10.3% QoQ	-0.38%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	54.05% -18.6% YoY -17.3% QoQ	-11.24%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.54% -42.5% YoY -45.7% QoQ	-0.34%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	96.08% +0.6% YoY +1.4% QoQ	+19.44%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	13.67% +39.5% YoY +23.2% QoQ	-8.35%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.48% -41.5% YoY -44.6% QoQ	-0.16%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	11.88% +7.0% YoY +3.0% QoQ	-3.95%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.07% +19.2% YoY -72.1% QoQ	-0.21%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	31%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Liquidity Strain

risk

#179 of 643 • Bottom 27.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.08%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

444

Total Loans

size

Value: $438.84M

Peer Median: $255.72M

#444 of 2664 Top 16.6% in $100M-$1B

643

Efficiency Ratio

profitability

Value: 54.05%

Peer Median: 65.29%

#643 of 2664 Top 24.1% in $100M-$1B

649

Total Deposits

size

Value: $456.74M

Peer Median: $327.97M

#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2296

Loan-to-Deposit Ratio

liquidity

Value: 96.08%

Peer Median: 76.64%

#2296 of 2664 Bottom 13.9% in $100M-$1B

2149

Non-Interest-Bearing Deposit Share

funding

Value: 13.67%

Peer Median: 22.02%

#2149 of 2664 Bottom 19.4% in $100M-$1B