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
Unfavorable gap of $8.6M · efficiency ratio beats 81% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.60% | 1.01% | 1.45% | Beats 61% | 243 / 629 | |
| Return on Equity | 14.40% | 5.38% | 9.30% | 13.28% | Beats 81% | 120 / 629 | |
| Net Interest Margin | 3.30% | 3.03% | 3.54% | 4.05% | Beats 37% | 396 / 629 | |
| Efficiency Ratio | 55.42% | 58.35% | 67.79% | 79.08% | Beats 81% | 123 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.09% | 0.46% | 1.20% | Beats 29% | 416 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.52% | 11.24% | 13.84% | 18.77% | Beats 28% | 453 / 629 | |
| Total Risk-Based Capital Ratio | 12.37% | 11.58% | 14.43% | 19.66% | Beats 32% | 427 / 629 | |
| Equity / Assets | 8.29% | 9.09% | 10.65% | 13.80% | Beats 14% | 539 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 102.46% | 67.24% | 80.90% | 93.48% | 89th pctl | 65 / 594 | |
| Loans / Assets | 87.61% | 53.31% | 67.71% | 78.15% | 96th pctl | 26 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |