First Sentinel Bank
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Data as of · sourced from FFIEC call reports. How we update
First Sentinel Bank is an FDIC-insured commercial bank headquartered in Richlands, VA, established in 1978 (FDIC certificate 31928), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $398.0M, up 0.3% from Q2 2025, the 39th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 12.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 31928
- Headquarters
- Richlands, VA
- Established
- 1978
- Total assets, Q2 2026
- $398.0M
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 12.76%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 251473512
- Holding company
- FIRST REGION BANCSHARES, INC.
- Asset rank in state
- 39th of 56 in Virginia
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%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, First Sentinel Bank is the 39th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $398.0M, loans rose 1.6% and deposits fell 3.6%. Auto loans made up 44.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.8%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities across 2 states; its Richlands office books 34% of its branch deposits. On its Q2 2026 call report, First Sentinel Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 9 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Sentinel Bank's total assets ran between $388.9M (Q2 2024) and $412.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$398.0M total assets against $396.9M; $357.7M total liabilities against $358.8M.
$334.5M net loans and leases against $331.8M; $348.5M total deposits against $346.9M.
$1.4M securities against $1.4M; $45.8M cash and balances due against $46.9M.
$5.8M total interest income against $5.9M; $1.8M total interest expense against $2.1M.
$3.9M net interest income against $3.9M.
$717K total noninterest income against $645K; $3.2M total noninterest expense against $2.8M.
$301K provision for credit losses against $511K.
$892K net income against $904K.
0.88% return on assets against 0.90%; 4.16% net interest margin against 4.11%.
12.76% CET1 capital ratio against 11.99%; 10.02% tier 1 leverage ratio against 9.59%.
Inside the full First Sentinel Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Sentinel Bank rankings
Its closest position to the top of a national ranking is 2,054 of 4,196, for total assets; its furthest is 2,747 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q1 2026) to 1.21% (Q4 2024) and its net interest margin ran from 3.72% (Q3 2024) to 4.16% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 0.88% | 0.11% | 0.85% | 4.16% |
| Q1 2026 | 12.60% | 0.81% | 0.08% | 0.78% | 4.01% |
| Q4 2025 | 12.55% | 0.92% | 0.11% | 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
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 102 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.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Sentinel Bank headquartered?
It is headquartered in Richlands, VA, United States.
When was First Sentinel Bank founded?
It was established in 1978, per the FDIC institution directory.
Is First Sentinel Bank FDIC-insured?
Yes. It 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.
What is First Sentinel Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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