Select Bank
Total assets
$524.4M
▲ +4.6% YoY
Deposits
$448.4M
▲ +0.4% YoY
Loans
$455.9M
▲ +5.1% YoY
Offices
6
SELECT BANK FINANCIAL CORP
ROA (annualized)
1.22%
peers 1.28%
ROE (annualized)
15.01%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Select Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +0.4% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +5.1% | +5.3% | -0.3 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 15.0% | 12.4% | +2.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- State
- Primary regulator
- FED
- Holding company
- SELECT BANK FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 211 Gristmill Dr, Forest, VA, 24551
- County
- Bedford
- Metro area
- Lynchburg, VA
- Offices
- 6
- FDIC cert #
- 58563
- RSSD ID
- 3567269
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $524.4M | $448.4M | $455.9M | $43.5M | $3.1M | 1.22% | 3.47% | 0.93% |
| Q1 2026 | $500.4M | $456.7M | $438.8M | $41.5M | $1.5M | 1.19% | 3.55% | 0.48% |
| Q4 2025 | $512.9M | $465.1M | $440.5M | $40.2M | $4.7M | 0.95% | 3.22% | 0.86% |
| Q3 2025 | $507.2M | $456.0M | $440.5M | $38.9M | $3.5M | 0.94% | 3.13% | 0.75% |
| Q2 2025 | $501.2M | $446.8M | $433.9M | $36.2M | $2.2M | 0.87% | 3.03% | 0.78% |
| Q1 2025 | $494.5M | $446.3M | $426.2M | $35.8M | $968K | 0.79% | 2.89% | 0.81% |
| Q4 2024 | $483.2M | $433.8M | $411.4M | $34.6M | $2.8M | 0.59% | 2.63% | 0.36% |
| Q3 2024 | $472.2M | $434.7M | $397.9M | $35.6M | $2.1M | 0.61% | 2.61% | 0.40% |
Loan mix (Q2 2026): real estate $406.2M · commercial $49.5M · consumer $3.8M · securities $33.5M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Select Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 61.2% | 33th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Select Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Select Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Select Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Select Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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