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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Forest, VA · FDIC certificate #58563
SELECT BANK is an FDIC-insured institution based in Forest, VA (FDIC certificate #58563). In its Q3 2026 Call Report it reported total assets of $533M, total deposits of $457M and net loans of $468M. Its primary federal regulator is FED.
Plain-language readout
SELECT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $533M in Q3 2026 and were lowest at $500M in Q1 2026.
Total deposits were highest at $457M in Q3 2026 and lowest at $448M in Q2 2026.
Over the whole period total assets rose 6.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $533M | $457M | $468M | 1.22% | 15.09% | 3.50% |
| Q2 2026 | $524M | $448M | $456M | 1.22% | 15.01% | 3.47% |
| Q1 2026 | $500M | $457M | $439M | 1.19% | 14.79% | 3.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.5M | $6.9M | +$572K | +8.2% |
| Federal funds sold | $1.2M | $603K | +$604K | +100.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $33.5M | $33.0M | +$560K | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $455.9M | $438.8M | +$17.0M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $5.9M | +$73K | +1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $20.4M | $15.2M | +$5.2M | +34.6% |
| Total assets | $524.4M | $500.4M | +$24.1M | +4.8% |
| Liabilities | ||||
| Total deposits | $448.4M | $456.7M | -$8.3M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $30.0M | $0K | +$30.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.5M | $2.2M | +$378K | +17.5% |
| Total liabilities | $481.0M | $458.9M | +$22.0M | +4.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $7.1M | $7.1M | $0K | 0.0% |
| Surplus | $24.1M | $24.1M | $0K | 0.0% |
| Retained earnings | $17.4M | $15.9M | +$1.5M | +9.4% |
| Accumulated other comprehensive income | -$5.1M | -$5.6M | +$520K | +9.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.5M | $41.5M | +$2.0M | +4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.9M | $2.4M | +$2.5M | +105.4% |
| Adjusted nonperforming assets | $4.9M | $2.4M | +$2.5M | +105.4% |
| Tangible equity plus allowance | $47.1M | $45.1M | +$2.0M | +4.5% |
| Texas ratio (gross) | 10.38% | 5.28% | +5.10 pts | See points |
| Texas ratio (adjusted) | 10.38% | 5.28% | +5.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 6.30% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.52% | 11.88% | -0.37 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.52% | 11.88% | -0.37 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.85% | 0.91% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.37% | 12.79% | -0.42 pts | See points |
| Tier 1 leverage (approximate) | 9.54% | 9.30% | +0.24 pts | See points |
| Construction and land loans to total capital | 145.65% | 130.07% | +15.58 pts | See points |
| Commercial real estate to total capital | 297.92% | 282.97% | +14.95 pts | See points |
| Dividend payout, year to date | 8.18% | 8.54% | -0.37 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.35% | -15.17% | +1.82 pts | See points |
| Liquidity | ||||
| Core deposits | $390.9M | $403.5M | -$12.6M | -3.1% |
| Non-core funding | $87.5M | $53.2M | +$34.3M | +64.4% |
| Loans to core deposits | 117.54% | 109.65% | +7.88 pts | See points |
| Loans to deposits | 102.46% | 96.87% | +5.59 pts | See points |
| Brokered deposits share of deposits | 2.81% | 2.76% | +0.05 pts | See points |
| Pledged securities share of securities | 10.19% | 10.07% | +0.12 pts | See points |
| Loans pledged, share of loans | 39.06% | 41.26% | -2.20 pts | See points |
| Volatile liabilities | $88.2M | $54.2M | +$34.0M | +62.8% |
| Earnings | ||||
| Earnings before provision, year to date | $4.1M | $2.1M | +$2.0M | +94.0% |
| Earnings before provision, single quarter | $2.0M | $2.1M | -$128K | -6.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.27% | 6.35% | -0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 2.83% | 3.27% | -0.45 pts | See points |
| Total interest income to average assets | 5.70% | 5.78% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.65% | 0.63% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.73% | 2.68% | +0.06 pts | See points |
| Cost of time deposits | 3.64% | 3.60% | +0.04 pts | See points |
| Total interest expense to average assets | 2.46% | 2.42% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $533M | $457M | $468M | 1.22% | 15.09% | 3.50% |
| 2026-06-30 | $524M | $448M | $456M | 1.22% | 15.01% | 3.47% |
| 2026-03-31 | $500M | $457M | $439M | 1.19% | 14.79% | 3.55% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $401.7M | 0.12% | 53 | Continuing · -0.01 pp |
| NC | $45.1M | 0.01% | 71 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.