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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Richlands, VA · FDIC certificate #31928
FIRST SENTINEL BANK is an FDIC-insured institution based in Richlands, VA (FDIC certificate #31928). In its Q3 2026 Call Report it reported total assets of $414M, total deposits of $348M and net loans of $349M. Its primary federal regulator is FED.
Plain-language readout
FIRST SENTINEL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $414M in Q3 2026 and were lowest at $398M in Q2 2026.
Total deposits were highest at $361M in Q1 2026 and lowest at $348M in Q3 2026.
Over the whole period total assets rose 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $414M | $348M | $349M | 0.91% | 9.22% | 4.18% |
| Q2 2026 | $398M | $348M | $334M | 0.85% | 8.66% | 4.14% |
| Q1 2026 | $413M | $361M | $329M | 0.81% | 8.40% | 4.06% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $45.2M | $65.2M | -$20.0M | -30.7% |
| Federal funds sold | $552K | $576K | -$24K | -4.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $1.4M | $1.4M | +$2K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $334.5M | $329.2M | +$5.3M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.7M | $5.7M | +$12K | +0.2% |
| Other real estate owned | $5K | $61K | -$56K | -91.8% |
| Investments in unconsolidated subsidiaries and associated companies | $77K | $77K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.6M | $10.6M | +$80K | +0.8% |
| Total assets | $398.0M | $412.7M | -$14.7M | -3.6% |
| Liabilities | ||||
| Total deposits | $348.5M | $361.4M | -$12.9M | -3.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $7.5M | $10.0M | -$2.5M | -25.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.7M | $1.9M | -$180K | -9.6% |
| Total liabilities | $357.7M | $373.3M | -$15.6M | -4.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $884K | $884K | $0K | 0.0% |
| Surplus | $1.9M | $1.9M | $0K | 0.0% |
| Retained earnings | $37.8M | $36.9M | +$892K | +2.4% |
| Accumulated other comprehensive income | -$139K | -$150K | +$11K | +7.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.4M | $39.5M | +$903K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $374K | $334K | +$40K | +12.0% |
| Adjusted nonperforming assets | $374K | $334K | +$40K | +12.0% |
| Tangible equity plus allowance | $43.9M | $43.0M | +$877K | +2.0% |
| Texas ratio (gross) | 0.85% | 0.78% | +0.08 pts | See points |
| Texas ratio (adjusted) | 0.85% | 0.78% | +0.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.19% | 1.13% | +0.06 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.76% | 12.60% | +0.16 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.76% | 12.60% | +0.16 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.11% | 1.13% | -0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.87% | 13.73% | +0.14 pts | See points |
| Tier 1 leverage (approximate) | 10.02% | 9.64% | +0.38 pts | See points |
| Construction and land loans to total capital | 13.07% | 11.71% | +1.37 pts | See points |
| Commercial real estate to total capital | 37.37% | 32.80% | +4.58 pts | See points |
| Dividend payout, year to date | 42.09% | 87.44% | -45.35 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.42% | -0.46% | +0.04 pts | See points |
| Liquidity | ||||
| Core deposits | $292.5M | $302.1M | -$9.6M | -3.2% |
| Non-core funding | $63.5M | $69.3M | -$5.8M | -8.3% |
| Loans to core deposits | 115.58% | 110.15% | +5.44 pts | See points |
| Loans to deposits | 97.00% | 92.07% | +4.93 pts | See points |
| Brokered deposits share of deposits | 3.01% | 3.44% | -0.43 pts | See points |
| Pledged securities share of securities | 0.14% | 0.14% | -0.00 pts | See points |
| Loans pledged, share of loans | 71.72% | 74.17% | -2.45 pts | See points |
| Volatile liabilities | $63.5M | $69.3M | -$5.8M | -8.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +109.8% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$130K | +9.8% |
| Provision for credit losses, year to date | $553K | $252K | +$301K | +119.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.43% | 6.38% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.66% | +0.01 pts | See points |
| Total interest income to average assets | 5.71% | 5.62% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 2.14% | 2.15% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.44% | 1.31% | +0.13 pts | See points |
| Cost of time deposits | 3.13% | 3.27% | -0.15 pts | See points |
| Total interest expense to average assets | 1.83% | 1.87% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $414M | $348M | $349M | 0.91% | 9.22% | 4.18% |
| 2026-06-30 | $398M | $348M | $334M | 0.85% | 8.66% | 4.14% |
| 2026-03-31 | $413M | $361M | $329M | 0.81% | 8.40% | 4.06% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $332.8M | 0.10% | 58 | Continuing · -0.01 pp |
| WV | $14.2M | 0.03% | 68 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.