Select Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 5.78 percentage points lower than in Q1 2026, at 85.50%. Select Bank ranks 30th of 56 Virginia banks on return on assets, in the lower half at 1.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets; Select Bank reported 1.27% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.52% |
| Tier 1 risk-based capital ratio | 11.52% |
| Total risk-based capital ratio | 12.37% |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 8.29% |
| Tangible equity to tangible assets | 8.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.38% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | 70.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 15.26% |
| Net interest margin | 3.43% |
| Efficiency ratio | 56.42% |
| Yield on earning assets | 6.00% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.46% |
| Core deposits to total deposits | 87.17% |
| Brokered deposits to total deposits | 2.81% |
| Deposits to assets | 85.50% |
| Securities to assets | 6.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.32% | 12.32% | 13.11% | 8.73% | 0.79% |
| Q4 2023 | 12.26% | 12.26% | 13.04% | 8.61% | 0.48% |
| Q1 2024 | 12.31% | 12.31% | 13.21% | 8.76% | 0.62% |
| Q2 2024 | 12.19% | 12.19% | 13.07% | 8.93% | 0.56% |
| Q3 2024 | 11.93% | 11.93% | 12.79% | 8.87% | 0.66% |
| Q4 2024 | 11.45% | 11.45% | 12.35% | 8.79% | 0.53% |
| Q1 2025 | 11.10% | 11.10% | 12.00% | 8.67% | 0.79% |
| Q2 2025 | 11.16% | 11.16% | 12.04% | 8.71% | 0.95% |
| Q3 2025 | 11.52% | 11.52% | 12.39% | 8.94% | 1.07% |
| Q4 2025 | 11.54% | 11.54% | 12.41% | 8.96% | 0.96% |
| Q1 2026 | 11.88% | 11.88% | 12.79% | 9.30% | 1.19% |
| Q2 2026 | 11.52% | 11.52% | 12.37% | 9.54% | 1.27% |
Select Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Select Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Select Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58563) · FFIEC NIC profile (RSSD 3567269)