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First Sentinel Bank
Richlands, VA · FDIC Certificate #31928 · Chartered 06/2
Total assets
$398.05M
Total deposits
$348.50M
Total equity
$40.36M
Net loans
$334.48M
Branches (offices)
9
Net income (YTD)
$1.72M
Rank: #2,063 of 4,213 U.S. banks by assets · #39 of 56 in Virginia. Assets changed 0.3% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 8.66% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.14% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.33% |
| Loans to deposits | 96.0% |
| Real estate loans (share of loans) | 49.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $164.85M | 49.3% | |
| Commercial & industrial | $13.91M | 4.2% | |
| Consumer / individual | $158.54M | 47.4% | |
| Construction & development | $5.76M | 1.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $346.94M | $302.50M | $2.00M | $31.86M |
| Jun 2023 | $391.24M | $343.06M | $1.70M | $33.88M |
| Jun 2024 | $388.89M | $345.95M | $1.30M | $35.63M |
| Jun 2025 | $396.90M | $346.94M | $1.76M | $38.14M |
| Jun 2026 | $398.05M | $348.50M | $1.72M | $40.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $330.83M | 8 |
| West Virginia | $17.66M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $348.50M.
Similar-sized banks
Mutual Savings Association ($398.61M) · Southern Heritage Bank ($397.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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