Side-by-side · Q2 2026 data
The First Bank and Trust Company vs First Sentinel Bank
Metric by metric
| Measure | The First Bank and Trust Company | First Sentinel Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 51 (stronger) | 50 |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 93 (stronger) | 54 |
| Funding & liquidity | 37 | 49 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 66th | 34th |
| Total assets | $4.3B | $398.0M |
| Deposits / shares | $3.8B | $348.5M |
| Capital ratio | 10.07% (stronger) | 10.02% |
| Problem loans | 0.28% | 0.11% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.33% |
| Return on assets | 1.83% (stronger) | 0.85% |
| Loans ÷ deposits | 93.9% (stronger) | 96.0% |
| Uninsured deposits | 41.5% | 28.5% (stronger) |
| Offices | 29 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.7% |
The First Bank and Trust Company has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First Bank and Trust Company leads on 5 and First Sentinel Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Abingdon, VA
- Lebanon, VA
- Wytheville, VA