BlastPoint's Banking Scorecard
Select Bank
Community
Specialty: Commercial
VA
FDIC cert 58563
Forest, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Select Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.9M
+6.2% YoY
+1.1% QoQ
|
-$878.6M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$440.5M
+7.1% YoY
-0.0% QoQ
|
-$535.0M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$465.1M
+7.2% YoY
+2.0% QoQ
|
-$699.5M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.95%
+60.8% YoY
+0.8% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.22%
+22.3% YoY
+2.8% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
65.37%
-7.2% YoY
+3.4% QoQ
|
+2.74% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
1.00%
+137.9% YoY
+15.5% QoQ
|
+0.37% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
94.71%
-0.1% YoY
-2.0% QoQ
|
+11.65% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
11.10%
+10.6% YoY
+9.4% QoQ
|
-9.95% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.86%
+139.9% YoY
+14.2% QoQ
|
+0.36% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.54%
+0.8% YoY
+0.2% QoQ
|
+1.30% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.25%
-5.6% YoY
+35.5% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#194 of 513 · Bottom 38% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.71%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
42
42th pctile
Tier 1 Capital Ratio
Current: 11.54% · Tier avg: 10.24%
39
39th pctile
Efficiency Ratio
Current: 65.37% · Tier avg: 62.63%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.71% · Tier avg: 83.06%
21
21th pctile
Total Loans
Current: $440.5M · Tier avg: $975.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.10% · Tier avg: 21.05%
8
8th pctile
Total Deposits
Current: $465.1M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $512.9M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $512.9M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $465.1M · Tier avg: $1.2B
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.10% · Tier avg: 21.05%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
21
21th pctile
Total Loans
Current: $440.5M · Tier avg: $975.5M
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.71% · Tier avg: 83.06%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
39
39th pctile
Efficiency Ratio
Current: 65.37% · Tier avg: 62.63%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.54% · Tier avg: 10.24%