Select Bancorp, Inc. is a commercial bank holding company. The Company operates through its subsidiary Select Bank & Trust Company (the Bank). The Bank's lending activities are oriented to the consumer/retail customer, as well as to the small-to-medium sized businesses located in central and eastern North Carolina. The Bank offers the standard complement of commercial, consumer and mortgage lending products, as well as the ability to structure products to fit specialized needs. The deposit services offered by the Bank include small business and personal checking, savings accounts and certificates of deposit (CDs). The Bank focuses on customer relationships in building its customer deposit base.