This institution is no longer active

Operations ceased on October 16, 2021. CRA examination history below reflects the period it was active.

SELECT BANK & TRUST COMPANY

DUNN, NC · Supervised by FDIC

Est. 2000FDIC #35,465RSSD: FDIC-35465

Part ofSELECT BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: July 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.47%

Is this bank safe?

SELECT BANK & TRUST COMPANY holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.47%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

700 West Cumberland Street, DUNN, NC

County

Harnett County

Established

May 24, 2000

Total Assets

$1.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2021Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.6B

Net Loans

$1.3B

Net Income

$20M

ROA

1.47%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.52%

Risk-Based Capital

13.21%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.47%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.21%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate1.46%Peer avg: 10.20%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	137	89.78%	1.46%
2022	129	92.25%	0.78%
2021	128	92.97%	4.69%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2019	Satisfactory	Intermediate Small Bank
Sep 2016	Satisfactory	Intermediate Small Bank
Jan 2014	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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