Select Bank (FDIC #58563): Bank Stress & Real-Estate Credit Exposure

Select Bank (FDIC Cert #58563): bank stress 72/100, elevated, STABLE over 7 days; parent SELECT BANK FINANCIAL CORP.

Select Bank (#58563) lends in 4 counties across 2 states; Select Bank (#58563) reaches 37 ZIP codes: Virginia 3 counties, 24 ZIPs; North Carolina 1 county, 13 ZIPs.

Select Bank (#58563) largest markets: Bedford County, VA (38 branches, 19 ZIPs) (#58563), Alamance County, NC (13 branches, 13 ZIPs) (#58563), Lynchburg County, VA (12 branches, 6 ZIPs) (#58563), Staunton County, VA (2 branches, 2 ZIPs) (#58563).

Select Bank (#58563) reports $524.4 million in total assets; Select Bank (#58563) equity $43.5 million (8.3% of Select Bank (#58563) assets); Select Bank (#58563) domestic deposits $448.4 million; Select Bank (#58563) net income $3.1 million; Select Bank (#58563) return on assets 1.22%; Select Bank (#58563) return on equity 15.01%; Select Bank (#58563) net interest income $8.4 million; Select Bank (#58563) call report June 30, 2026.

Select Bank (#58563) noncurrent real-estate loans: none reported; Select Bank (#58563) net charge-offs on real estate 1.20%; Select Bank (#58563) multifamily charge-offs 6.25%.

Select Bank (#58563) net interest margin 3.47% against an eight-quarter Select Bank (#58563) average of 3.06% (Select Bank (#58563) compression -0.40 points); Select Bank (#58563) rate-exposure score 40/100, Select Bank (#58563) fixed-rate trap 40/100; Select Bank (#58563) risk type credit driven; Select Bank (#58563) rate regime rates elevated, Select Bank (#58563) snapshot October 19, 2026.

Select Bank (#58563) stress score moved from 71.3 on June 22, 2026 to 72.1 on October 19, 2026; Select Bank (#58563) ranged 71.3 to 72.1 over 116 snapshots.

Select Bank (#58563) alerts: 4 counties; top Select Bank (#58563) alert scores: Lynchburg County, VA 49 (moderate); Staunton County, VA 43 (moderate); Burlington County, VA 24 (low); Forest County, VA 24 (low).