TellerScore

Headquartered in Richlands, Virginia, First Sentinel Bank is a state-chartered bank (fed member) with $398.0M in total assets and $348.5M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1978.

First Sentinel Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 40th. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (49/100, 96% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.02%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 96.0% · 28.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
646667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202565
Q2 202567
Q3 202566
Q4 202567
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.15%
Q3 20249.09%
Q4 20249.36%
Q1 20259.42%
Q2 20259.59%
Q3 20259.58%
Q4 20259.68%
Q1 20269.64%
Q2 202610.02%
Noncurrent loans
0.08%0.15%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.10%
Q4 20240.08%
Q1 20250.21%
Q2 20250.13%
Q3 20250.14%
Q4 20250.11%
Q1 20260.08%
Q2 20260.11%
Return on assets
0.66%0.79%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.74%
Q4 20240.86%
Q1 20250.87%
Q2 20250.89%
Q3 20250.92%
Q4 20250.92%
Q1 20260.81%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$398.0M10.02%0.11%0.85%96.0%
Q1 202666$412.7M9.64%0.08%0.81%91.1%
Q4 202567$403.8M9.68%0.11%0.92%93.7%
Q3 202566$404.5M9.58%0.14%0.92%94.3%
Q2 202567$396.9M9.59%0.13%0.89%95.6%
Q1 202565$396.7M9.42%0.21%0.87%95.4%
Q4 202466$394.5M9.36%0.08%0.86%92.8%
Q3 202465$393.4M9.09%0.10%0.74%92.4%
Q2 202464$388.9M9.15%0.11%0.66%94.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.02%
32nd
Total risk-based capital13.87%
61st
Problem loans0.11%
73rd
Net charge-offs0.33%
8th
Return on assets0.85%
26th
Net interest margin4.14%
62nd
Efficiency ratio69.7%
31st
Loans to deposits96.0%
15th
Uninsured deposits28.5%
33rd
Loan-loss reserves1.05%
32nd
Texas ratio0.9%
71st

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
Legacy BankBank Grundy, VA68 out of 100, Moderate$360.2M20.6%1.78%vs
Locus Bank, Inc.Bank Richmond, VA79 out of 100, Strong$359.4M21.5%0.62%vs
New Horizon Bank, National AssociationBank Powhatan, VA60 out of 100, Moderate$359.3M10.8%0.15%vs
Powell Valley National BankBank Jonesville, VA78 out of 100, Strong$516.5M10.7%0.21%vs

Deposit insurance

Is my money safe at First Sentinel Bank?

Yes. First Sentinel Bank is an FDIC-insured institution (FDIC certificate #31928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.5% of deposits ($99.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.87% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First Sentinel Bank lists 9 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Sentinel Bank reported 88 home-loan applications under HMDA (LEI 254900NURL1XA7P0O968): 80 originated ($19,810,000 total), 5 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Sentinel Bank
Former names
Sentinel Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
31928
RSSD ID
920975
Primary regulator
FED
Holding company
First Region Bancshares Inc
Established
June 20, 1978
Headquarters
315 Railroad Ave, Richlands, VA 24641
Employees
81

Quick answers

First Sentinel Bank: common questions

Is First Sentinel Bank FDIC insured?

Yes. First Sentinel Bank is an FDIC-insured institution (FDIC certificate #31928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Sentinel Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Sentinel Bank ever failed?

There is no failure record for FDIC certificate #31928 in the FDIC failed bank list.

How many branches does First Sentinel Bank have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Richlands

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer Community Bank, Inc.Bank Iaeger, WV79 out of 100, Strong$191.1M13.6%0.29%vs
United Southeast Federal Credit UnionCredit union Bristol, TN78 out of 100, Strong$256.0M13.5%0.40%vs
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs
New Peoples Bank, Inc.Bank Honaker, VA76 out of 100, Strong$942.5M11.2%0.45%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
The First Bank and Trust CompanyBank Lebanon, VA72 out of 100, Strong$4.3B10.1%0.28%vs