First Sentinel Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.58 percentage points to 10.14%. First Sentinel Bank ranks 37th of 44 Virginia banks on CET1 ratio, in the lower half at 12.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Sentinel Bank sits 2.33 points lower, at 12.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $40.5M |
| Tier 1 capital | $40.5M |
| Total risk-based capital | $44.1M |
| Total equity capital | $40.4M |
| Risk-weighted assets | $317.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
| Equity capital to average assets | 9.98% |
| Internal capital growth rate | 9.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $884K |
| Common stock surplus | $1.9M |
| Retained earnings | $37.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$139K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.09% | 11.09% | 12.34% | 8.65% | $308.1M |
| Q4 2023 | 11.46% | 11.46% | 12.72% | 8.87% | $307.1M |
| Q1 2024 | 11.35% | 11.35% | 12.58% | 8.91% | $310.2M |
| Q2 2024 | 11.42% | 11.42% | 12.63% | 9.15% | $314.1M |
| Q3 2024 | 11.63% | 11.63% | 12.82% | 9.09% | $310.0M |
| Q4 2024 | 12.03% | 12.03% | 13.21% | 9.36% | $309.9M |
| Q1 2025 | 11.79% | 11.79% | 12.92% | 9.42% | $317.8M |
| Q2 2025 | 11.99% | 11.99% | 13.09% | 9.59% | $319.9M |
| Q3 2025 | 12.07% | 12.07% | 13.18% | 9.58% | $319.6M |
| Q4 2025 | 12.55% | 12.55% | 13.68% | 9.68% | $314.9M |
| Q1 2026 | 12.60% | 12.60% | 13.73% | 9.64% | $314.6M |
| Q2 2026 | 12.76% | 12.76% | 13.87% | 10.02% | $317.7M |
First Sentinel Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Sentinel Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Sentinel Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31928) · FFIEC NIC profile (RSSD 920975)