FIRST SENTINEL BANK

RICHLANDS, VA | Small | Est. June 20, 1978, midnight | FDIC #31928 | RSSD #920975 | FED
Latest Report: 2025-12-31

FIRST SENTINEL BANK is asn small FDIC-insured commercial bank headquartered in RICHLANDS, VA, established in June 20, 1978, midnight. As of 2025-12-31, the bank reported total assets of $404M and total deposits of $353M. Profitability stands at 0.93% ROA and 9.68% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 12.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 1.09%. FDIC Certificate #31928.

Assets

$404M

Deposits

$353M

Loans

$334M

Equity

$39M

Profitability

Return on Assets (ROA) 0.93%
Return on Equity (ROE) 9.68%
Net Interest Margin (NIM) 4.17%
Yield on Assets 6.42%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.61%
Texas Ratio 1.09%
NPA Ratio 0.12%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 12.55%
Tier 1 Capital 12.55%
Total Capital Ratio 13.68%
Leverage Ratio 9.68%
Loan-to-Deposit 94.68%

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