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First Sentinel Bank

$100M-$1B Specialty: Consumer VA FDIC cert 31928

Richlands, VA

9 branches across VA · WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +0.4% year over year ($348.5M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 0.85%.
  • Efficiency ratio 69.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

First Sentinel Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.16% above tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.5% in tier
  • - Flatlined Growth: Bottom 27.8% in tier
  • - Cost Spiral: Bottom 57.2% in tier
  • - ROA 0.47% below tier average
Get updates when First Sentinel Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $398.0M
+0.3% YoY -3.6% QoQ
+$11.5M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $334.5M
+0.8% YoY +1.6% QoQ
+$76.1M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $348.5M
+0.4% YoY -3.6% QoQ
+$21.8M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 0.85%
-4.7% YoY +4.7% QoQ
-0.47% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.14%
+0.7% YoY +2.0% QoQ
+0.16% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 69.67%
+9.4% YoY -1.4% QoQ
+5.19% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.11%
-18.1% YoY +33.0% QoQ
-0.81% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 95.98%
+0.4% YoY +5.4% QoQ
+18.03% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 16.13%
+8.8% YoY -4.1% QoQ
-5.90% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.09%
-38.9% YoY +16.1% QoQ
-0.57% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 12.76%
+6.4% YoY +1.3% QoQ
-3.15% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.34%
+1.8% YoY +117.0% QoQ
-0.22% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 16.1%
+1.3pp YoY
-0.7pp QoQ
 -6.0pp 22.1% 26.2% 22.2% 28%
Brokered Deposits 3.0%
-1.1pp YoY
-0.4pp QoQ
 -4.8pp 7.9% 8.5% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 4.2%
-0.5pp YoY
-0.5pp QoQ
 -7.4pp 11.6% 11.0% 12.5% 15%
CRE 24.6%
-0.4pp YoY
+0.5pp QoQ
 -14.9pp 39.5% 46.9% 41.4% 26%
1-4 Family 24.0%
+1.0pp YoY
0.0pp QoQ
 -8.6pp 32.6% 32.6% 31.3% 39%
Consumer 47.4%
+0.1pp YoY
0.0pp QoQ
 +43.3pp 4.1% 8.0% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 12.8%
+0.8pp YoY
+0.2pp QoQ
 -6.1pp 18.8% 17.2% 19.7% 24%
Leverage Ratio 10.0%
+0.4pp YoY
+0.4pp QoQ
 -2.1pp 12.2% 12.2% 12.6% 32%
Total Capital Ratio 13.9%
+0.8pp YoY
+0.1pp QoQ
 -6.1pp 19.9% 18.3% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 81
-3 (-3.6%) YoY
-2 (-2.4%) QoQ
 +22 58 1,956 482 77%
Assets per Employee ($) $4.9M
+4.0% YoY
-1.2% QoQ
 -$2.6M $7.5M $9.9M $8.8M 13%
Branch Count 9
0 YoY
0 QoQ
 +4 4 28 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 20%
Allowance Coverage 9.60x
+22.1% YoY
-26.6% QoQ
 -14.55x 24.15x 9.47x 20.23x 81%
Net Charge-off Rate (YTD) 0.3%
-0.3pp YoY
+0.1pp QoQ
 +0.2pp 0.1% 0.2% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 8.7%
-0.8pp YoY
+0.3pp QoQ
 -3.5pp 12.2% 12.0% 11.6% 29%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 70%
Net Income ($, YTD) $1.7M
-2.5% YoY
— QoQ
 -$835K $2.6M $137.1M $40.4M 47%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#122 of 691 • Bottom 17.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.98%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#148 of 529 • Bottom 27.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.85%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Cost Spiral

risk
#80 of 138 • Bottom 57.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 69.67%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

561
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#561 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2246
Loan-to-Deposit Ratio
liquidity
Value: 95.98%
Peer Median: 77.95%
#2246 of 2643 Bottom 15.1% in $100M-$1B
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