First Sentinel Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Sentinel Bank of Richlands, VA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.25% | -0.37% | 26th below |
| ROAE | 8.94% | 12.22% | -3.28% | 29th below |
| Net Interest Margin | 4.16% | 3.95% | +0.21% | 62nd above |
| Efficiency Ratio | 68.68% | 63.71% | +4.97% | 30th below |
| PPNR / Avg Assets | 1.44% | — | — | 40th below |
| Yield on Earning Assets | 6.11% | 5.67% | +0.44% | 73rd above |
| Cost of Funds | 2.03% | 1.87% | +0.16% | 35th below |
| Net Interest Spread | 3.69% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.88% | -0.77% | 73rd above |
| NPA / Total Assets | 0.09% | — | — | 72nd above |
| NCO / Avg Loans | 0.39% | 0.15% | +0.24% | 8th bottom |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 959.89% | — | — | 81st top |
| Texas Ratio | 0.85% | 5.96% | -5.11% | 71st above |
| Provision / NCO | 91.77% | — | — | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.76% | 17.18% | -4.42% | 24th bottom |
| Tier 1 Ratio | 12.76% | 17.21% | -4.45% | 24th bottom |
| Total Capital Ratio | 13.87% | — | — | 25th below |
| Leverage Ratio | 10.02% | 11.75% | -1.73% | 32nd below |
| Equity / Assets | 10.14% | 10.98% | -0.84% | 46th below |
| TCE / Tangible Assets | 10.14% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.00% | 80.44% | +16.56% | 15th bottom |
| Core Deposit Ratio | 83.92% | 86.95% | -3.03% | 27th below |
| Wholesale Funding Ratio | 1.88% | — | — | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.29% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 0.82% | — | — | 25th below |
| Deposit Growth (Y/Y) | 0.45% | — | — | 25th below |
See First Sentinel Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Sentinel Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Sentinel Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Sentinel Bank peer analysis.