First Sentinel Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Sentinel Bank, based in Richlands, Virginia, reported $398 million in assets at June 30, 2026. It holds commercial real estate loans equal to only 37% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 12.76% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, First Sentinel Bank reported a CET1 capital ratio of 12.76%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 315 Railroad Ave, Richlands, VA 24641
- County
- Tazewell
- Metro Area
- Bluefield, WV-VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1978
- Offices
- 9 domestic
- Employees (FTE)
- 81
- Domestic deposits
- $348.5M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $551K
- Average total assets
- $404.3M
- Average total loans
- $332.7M
- Average interest-bearing deposits
- $297.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31928
- Fed RSSD
- 920975
- SEC CIK
- 1910998 → filed by FIRST REGION BANCSHARES, INC.
- Parent Holding Company
- FIRST REGION BANCSHARES, INC. (RSSD 2702250)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Sentinel Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Sentinel Bank, freeFirst Sentinel Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 0.88% | 0.15% | 0.85% | 4.16% |
| Q1 2026 | 12.60% | 0.81% | 0.13% | 0.78% | 4.01% |
| Q4 2025 | 12.55% | 0.92% | 0.15% | 1.09% | 4.06% |
| Q3 2025 | 12.07% | 0.97% | 0.14% | 1.42% | 4.16% |
| Q2 2025 | 11.99% | 0.90% | 0.13% | 1.46% | 4.11% |
| Q1 2025 | 11.79% | 0.87% | 0.21% | 2.22% | 4.02% |
| Q4 2024 | 12.03% | 1.21% | 0.08% | 1.19% | 3.92% |
| Q3 2024 | 11.63% | 0.89% | 0.10% | 1.35% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Sentinel Bank (main office) | Richlands , VA | 24641 | $118.1M |
| Tazewell Branch | North Tazewell , VA | 24630 | $47.6M |
| Bland Branch | Bland , VA | 24315 | $43.8M |
| Lebanon Branch | Lebanon , VA | 24266 | $39.0M |
| Claypool Hill Branch | Pounding Mill , VA | 24637 | $30.5M |
| Bluefield Branch | Bluefield , VA | 24605 | $26.0M |
| Wytheville Branch | Wytheville , VA | 24382 | $21.6M |
| Princeton Branch | Princeton , WV | 24740 | $17.7M |
| Abingdon Branch | Abingdon , VA | 24210 | $4.2M |
Regulatory record
What the public regulatory sources show for First Sentinel Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve); 1 against individuals associated with it
- July 7, 2011, Federal Reserve: Civil Money Penalty, $7,315: First Sentinel Bank, Richlands, Virginia
- May 22, 2007, Federal Reserve: Civil Money Penalty $4,235: First Sentinel Bank, Richlands, VA
- Period: Most recent institution action July 7, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in VA, rank 58 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 80 loans originated, $19.8M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Sentinel Bank
What are First Sentinel Bank's total assets?
As of the Q2 2026 filing, First Sentinel Bank reported total assets of $398.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Sentinel Bank headquartered?
First Sentinel Bank is headquartered in Richlands, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Sentinel Bank founded?
First Sentinel Bank was established in 1978, per the FDIC institution directory.
Is First Sentinel Bank FDIC-insured?
Yes. First Sentinel Bank is an FDIC-insured commercial bank (FDIC Certificate #31928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Sentinel Bank?
First Sentinel Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Sentinel Bank's CET1 capital ratio?
First Sentinel Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Sentinel Bank operate?
First Sentinel Bank operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Sentinel Bank's Texas Ratio?
First Sentinel Bank's Texas Ratio is 0.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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