What is First Sentinel Bank's financial health grade?

First Sentinel Bank has a TFS Financial Health Grade of C- (score: 71.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Sentinel Bank have?

First Sentinel Bank has 9 branch locations across the United States.

Is First Sentinel Bank FDIC insured?

Yes, First Sentinel Bank is FDIC insured (Certificate #31928).

What are the total assets of First Sentinel Bank?

First Sentinel Bank has total assets of $403.8M as reported in its most recent FDIC filing.

First Sentinel Bank

BankRichlands, Virginia

http://www.firstsentinelbank.com

Total Assets

$403.8M

Total Deposits

$352.9M

Branches

Established

1978

TFS Health Grade

C-

71.8 / 100

Average financial health

How we grade

First Sentinel Bank is a bank headquartered in Richlands, Virginia, established in 1978. With $403.8M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.68%(8%)

Total Capital Ratio

13.68%(10%)

Non-Performing Loan Ratio

0.11%

Profitability

Return on Assets (ROA)

0.92%(1%)

Return on Equity (ROE)

9.68%(10%)

Net Interest Margin

4.14%

Efficiency Ratio

63.26%(60%)

Lending & Liquidity

Total Loans

$334.2M

Loan-to-Deposit Ratio

93.68%

Net Charge-Off Ratio

0.61%

Growth

Asset Growth (YoY)

+2.36%

Deposit Growth (YoY)

+1.15%

Net Income

$3.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Sentinel BankHQ	315 Railroad Ave	Richlands	VA	11
First Sentinel Bank	968 W Main St	Abingdon	VA	11
First Sentinel Bank	427 Main St	Bland	VA	11
First Sentinel Bank	801 S College Ave	Bluefield	VA	11
First Sentinel Bank	66 Townview Dr	Lebanon	VA	11
First Sentinel Bank	118 Valleyview St	North Tazewell	VA	11
First Sentinel Bank	12678 Governor George C Peery Highway	Pounding Mill	VA	11
First Sentinel Bank	1105 N 4th St	Wytheville	VA	11
First Sentinel Bank	329 Ingleside Rd	Princeton	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.