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Select Bank

Forest, VA · Cert 58563 · Select Bank Financial Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Select Bank

Forest, VA · Cert 58563 · Select Bank Financial Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$524.4MAssets
$459.4MLoans
$448.4MDeposits
$43.5MEquity
Loan mix
87%RE $386.2M12%C&I $52.7M1%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $393.2M12%Noninterest $55.2MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.48%Q2 ’255.73%Q2 ’26+14%+17%

Non-interest income vs. expense

1.94%Q2 ’242.00%Q2 ’252.00%Q2 ’26+4%-4%

Market Position · Lynchburg, VA · 2026 SOD (annual) · 6.1% share · #6 of 17 inst. · $0.4B of $6.2B

14.5% Bedford
4.9% Lynchburg (City)
1.8% Alamance
1.6% Staunton (City)

Executive Summary

  • Earnings: ROA of 1.22%, up 35 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.06% of loans (+18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.54%, up 82 bps from a year ago.
  • Funding: loans stand at 102.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+48 bps YoY

Efficiency Ratio (YTD, annualized)

55.42%-971 bps YoY

Tier 1 Leverage Ratio

9.54%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.94%0.95%1.19%1.22%+35 bps
Return on Equity12.11%12.83%12.75%14.79%15.01%+290 bps
Net Interest Margin2.82%2.90%2.97%3.36%3.30%+48 bps
Efficiency Ratio65.13%63.20%65.37%54.05%55.42%-971 bps
Non-Interest Burden1.75%1.75%1.85%1.69%1.69%-6 bps
Growth
Asset Growth (YoY)7.83%7.41%6.15%1.19%4.63%-319 bps
Loan Growth (YoY)11.28%10.70%7.01%2.95%5.03%-625 bps
Deposit Growth (YoY)4.18%4.89%7.22%2.35%0.36%-382 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.86%0.99%0.54%1.06%+18 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.81%0.81%0.81%0.78%-4 bps
Allowance Coverage of NPLs0.9x0.9x0.8x1.5x0.7x-0.2x
Capital
Tier 1 Leverage Ratio8.71%8.94%8.96%9.30%9.54%+82 bps
Total Risk-Based Capital12.04%12.39%12.41%12.79%12.37%+33 bps
Equity / Assets7.23%7.67%7.84%8.29%8.29%+106 bps
Liquidity & Funding
Loans / Deposits97.91%97.39%95.48%96.87%102.46%+455 bps
Liquid Assets / Assets0.28%0.39%1.43%0.44%0.54%+26 bps
CRE / Total Capitaln/a431%419%410%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Select Bank

Forest, VA · Cert 58563 · Peer group: banks under $1B in assets (n=581-629) · Select Bank Financial Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$524.4MAssets
$459.4MLoans
$448.4MDeposits
$43.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 86% of banks under $1B in assets (rank 539 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 243 of 629

Net Interest Margin

3.30%

Rank 396 of 629

Efficiency Ratio

55.42%

Rank 123 of 629

Equity / Assets

8.29%

Rank 539 of 629

Non-interest income vs. expense

$1.6M$10.2MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 81% of banks under $1B in assets
Bank 55.42%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.60%1.01%1.45%Beats 61%243 / 629
Return on Equity14.40%5.38%9.30%13.28%Beats 81%120 / 629
Net Interest Margin3.30%3.03%3.54%4.05%Beats 37%396 / 629
Efficiency Ratio55.42%58.35%67.79%79.08%Beats 81%123 / 629
Asset Quality
Nonperforming Loans / Loans1.06%0.09%0.46%1.20%Beats 29%416 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.52%11.24%13.84%18.77%Beats 28%453 / 629
Total Risk-Based Capital Ratio12.37%11.58%14.43%19.66%Beats 32%427 / 629
Equity / Assets8.29%9.09%10.65%13.80%Beats 14%539 / 629
Liquidity & Funding
Loans / Deposits102.46%67.24%80.90%93.48%89th pctl65 / 594
Loans / Assets87.61%53.31%67.71%78.15%96th pctl26 / 629
Brokered Deposits / Depositsn/aNot reported for this institution