First Sentinel Bank
Richlands, VA
IDRSSD: 920975
Total Assets
$403.83M
Latest filing
Total Deposits
$352.94M
Latest filing
Net Interest Margin
4.11%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Sentinel Bank
315 Railroad Ave
Richlands, VA 24641
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/20/1978FDIC Certificate 44762
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Sentinel Bank (Main) | 315 Railroad Ave | Richlands, VA |
| TAZEWELL BRANCH | 118 Valleyview St | North Tazewell, VA |
| CLAYPOOL HILL BRANCH | 12678 Governor George C Peery Highway | Pounding Mill, VA |
| LEBANON BRANCH | 66 Townview Dr | Lebanon, VA |
| BLUEFIELD BRANCH | 801 S College Ave | Bluefield, VA |
| WYTHEVILLE BRANCH | 1105 N 4th St | Wytheville, VA |
| BLAND BRANCH | 427 Main St | Bland, VA |
| PRINCETON BRANCH | 329 Ingleside Rd | Princeton, WV |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/20/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24641 |
| State and County Number | 51185 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Bluefield, WV-VA |
Operational Info
| Number of Employees | 87 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstsentinelbank.com |
| Data Updated | 01/30/2026 |
| CERT | 31928 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $403.83M |
| Total Deposits | $352.94M |
| Total Liabilities | $364.47M |
| Total Equity Capital | $39.36M |
| Net Income | $941.00k |
| Net Loans and Leases | $330.62M |
| Assets Per Employee ($Millions) | $4.81M |
| Bank Premises and Fixed Assets | $5.51M |
| Cash and Balances due from Depository Institutions | $54.82M |
| Deposits Held in Domestic Offices | $352.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 9.68% |
| Net Interest Margin | 4.11% |
| Efficiency Ratio | 62.83% |
| Tier 1 Risk-Based Capital Ratio | 12.555% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.47% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.747% |
| Earning Assets to total Assets | 92.7% |
Income and Expense
| Total Interest Income | $5.97M |
| Total Noninterest Income | $710.00k |
| Total Interest Expense | $2.10M |
| Total Noninterest Expense | $2.88M |
| Net Interest Income | $3.87M |
| Pre-tax Net Operating Income | $1.23M |
| Provision for Credit Losses | $472.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $111.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $629.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.53M |
| Total Liabilities and Capital | $403.83M |
Securities
| Securities | $1.45M |
| Available-for-sale debt securities | $1.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Sentinel Bank?
$403.83M as of the latest filing.
How much are First Sentinel Bank's total deposits?
$352.94M in total deposits.
Where is First Sentinel Bank located?
Richlands, VA.
What is the Net Interest Margin?
4.11%.
How many domestic offices does it operate?
9.
When was it established?
06/20/1978.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$330.62M (latest filing).
What is the total interest income (latest filing)?
$5.97M.