This institution is no longer active

Operations ceased on July 26, 2014. CRA examination history below reflects the period it was active.

SELECT BANK & TRUST COMPANY

GREENVILLE, NC · Supervised by FDIC

Est. 2004FDIC #57,783RSSD: FDIC-57783

Part ofSELECT BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

3600 Charles Boulevard, GREENVILLE, NC

County

Pitt County

Established

August 3, 2004

Total Assets

$282M(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

December 1, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 Q2 2014Call Report / FDIC

Total Assets

$282M

Total Deposits

$220M

Net Loans

$220M

Net Income

$2M

ROA

1.13%

ROE

9.80%

Risk-Based Capital

15.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate2.27%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	88	77.27%	2.27%
2023	137	89.78%	1.46%
2022	129	92.25%	0.78%
2021	128	92.97%	4.69%
2020	229	90.39%	0.87%
2019	228	86.84%	1.32%
2018	255	98.04%	1.18%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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