BlastPoint's Banking Scorecard
First Sentinel Bank
Richlands, VA
9 branches across VA · WV
First Sentinel Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.7% in tier
- - Cost Spiral: Bottom 56.4% in tier
- - ROA 0.46% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$412.7M
+4.1% YoY
+2.2% QoQ
|
+$26.7M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$329.2M
-0.7% YoY
-0.4% QoQ
|
+$73.5M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$361.4M
+4.0% YoY
+2.4% QoQ
|
+$33.4M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
0.81%
-6.8% YoY
-12.0% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.06%
+0.2% YoY
-1.9% QoQ
|
+0.13% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
70.67%
+9.4% YoY
+11.7% QoQ
|
+5.38% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.08%
-61.1% YoY
-22.8% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
91.08%
-4.5% YoY
-2.8% QoQ
|
+14.44% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
16.82%
+14.9% YoY
+12.3% QoQ
|
-5.20% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.08%
-64.5% YoY
-29.9% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.60%
+6.9% YoY
+0.3% QoQ
|
-3.23% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.16%
-9.9% YoY
-76.7% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
76% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.