First Sentinel Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.93 percentage points in Q2 2026, from 92.07% to 97.00%. It was the largest change from Q1 2026 among the key lines here. First Sentinel Bank ranks 9th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 97.00% (Q2 2026). First Sentinel Bank reported 97.00% on loan-to-deposit ratio for Q2 2026, 16.44 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $338.0M |
| Net loans and leases | $334.5M |
| Loans held for sale | $0 |
| Loans to total assets | 84.92% |
| Loan-to-deposit ratio | 97.00% |
| Net loans to equity capital | 8.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.76% |
| Multifamily (5+ residential) | 2.91% |
| Commercial and industrial | 4.11% |
| Consumer | 46.90% |
| Credit cards | 0.00% |
| Farm | 0.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.37% |
| Construction concentration (Tier 1 capital + allowance) | 13.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.43% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $326.3M | $352.2M | 18.79% | 5.28% | 48.40% |
| Q4 2023 | $325.7M | $354.0M | 18.69% | 4.96% | 49.01% |
| Q1 2024 | $327.6M | $351.0M | 18.17% | 4.69% | 50.45% |
| Q2 2024 | $329.7M | $345.9M | 18.16% | 4.74% | 50.53% |
| Q3 2024 | $327.3M | $350.1M | 18.05% | 4.42% | 49.87% |
| Q4 2024 | $327.6M | $348.9M | 19.18% | 4.26% | 48.31% |
| Q1 2025 | $335.1M | $347.6M | 18.46% | 4.99% | 48.01% |
| Q2 2025 | $335.3M | $346.9M | 20.89% | 4.58% | 46.81% |
| Q3 2025 | $337.4M | $354.2M | 20.34% | 4.69% | 46.82% |
| Q4 2025 | $334.2M | $352.9M | 19.80% | 4.62% | 46.94% |
| Q1 2026 | $332.7M | $361.4M | 19.86% | 4.58% | 46.88% |
| Q2 2026 | $338.0M | $348.5M | 19.76% | 4.11% | 46.90% |
First Sentinel Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Sentinel Bank, freeSource: Call Report Schedule RC-C, 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)