Side-by-side · Q2 2026 data
Select Bank vs Carter Bank & Trust
Metric by metric
| Measure | Select Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 59 | 76 (stronger) |
| Capital cushion | 45 | 67 (stronger) |
| Loan quality | 65 | 66 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 48 | 70 (stronger) |
| Problem-loan coverage | 79 | 86 (stronger) |
| Peer percentile | 17th | 80th |
| Total assets | $524.4M | $4.8B |
| Deposits / shares | $448.4M | $4.2B |
| Capital ratio | 9.54% | 11.73% (stronger) |
| Problem loans | 1.06% | 1.01% (stronger) |
| Net charge-offs | -0.00% | -0.82% (stronger) |
| Return on assets | 1.22% | 3.66% (stronger) |
| Loans ÷ deposits | 101.7% | 87.7% (stronger) |
| Uninsured deposits | 24.4% | 17.7% (stronger) |
| Offices | 6 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Select Bank leads on 0 and Carter Bank & Trust on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.