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First Sentinel Bank

Richlands, VA · Cert 31928 · First Region Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Sentinel Bank

Richlands, VA · Cert 31928 · First Region Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$398.0MAssets
$338.0MLoans
$348.5MDeposits
$40.4MEquity
Loan mix
48%RE $160.8M5%C&I $15.2M47%Consumer $156.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $292.3M16%Noninterest $56.2MQ2 2025Q2 2026

NIM

5.69%Q2 ’245.90%Q2 ’255.71%Q2 ’26+11%+1%

Non-interest income vs. expense

2.90%Q2 ’242.86%Q2 ’253.16%Q2 ’26-6%+13%

Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 0.1% share · #23 of 24 inst. · $0.0B of $5.9B

17.2% Tazewell
100.0% Bland
5.7% Russell
2.5% Wythe

Executive Summary

  • Earnings: ROA of 0.85%, down 4 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.11% of loans (-2 bps YoY), with net charge-offs at 0.33%.
  • Capital: tier 1 leverage ratio of 10.02%, up 43 bps from a year ago.
  • Funding: loans stand at 97.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.67%+597 bps YoY

Tier 1 Leverage Ratio

10.02%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.92%0.92%0.81%0.85%-4 bps
Return on Equity9.42%9.69%9.68%8.40%8.66%-76 bps
Net Interest Margin3.82%3.83%3.78%3.75%3.85%+4 bps
Efficiency Ratio63.69%63.41%63.26%70.67%69.67%+597 bps
Non-Interest Burden2.19%2.18%2.15%2.47%2.48%+29 bps
Growth
Asset Growth (YoY)2.06%2.83%2.36%4.06%0.29%-177 bps
Loan Growth (YoY)1.70%3.09%2.01%-0.72%0.82%-89 bps
Deposit Growth (YoY)0.29%1.17%1.15%3.97%0.45%+16 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.14%0.11%0.08%0.11%-2 bps
Net Charge-Offs / Loans0.66%0.61%0.61%0.27%0.33%-34 bps
Allowance / Loans1.05%1.05%1.06%1.07%1.05%0 bps
Allowance Coverage of NPLs7.9x7.3x10.0x13.1x9.6x+1.7x
Capital
Tier 1 Leverage Ratio9.59%9.58%9.68%9.64%10.02%+43 bps
Total Risk-Based Capital13.09%13.18%13.68%13.73%13.87%+78 bps
Equity / Assets9.61%9.50%9.75%9.56%10.14%+53 bps
Liquidity & Funding
Loans / Deposits96.64%95.25%94.68%92.07%97.00%+36 bps
Liquid Assets / Assets9.29%10.56%10.31%13.14%7.84%-145 bps
CRE / Total Capitaln/a215%202%200%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Sentinel Bank

Richlands, VA · Cert 31928 · Peer group: banks under $1B in assets (n=581-629) · First Region Bancshares Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$398.0MAssets
$338.0MLoans
$348.5MDeposits
$40.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of banks under $1B in assets (rank 160 of 581).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 546 of 581).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.86%

Rank 389 of 629

Net Interest Margin

3.85%

Rank 210 of 629

Efficiency Ratio

69.67%

Rank 346 of 629

Equity / Assets

10.14%

Rank 370 of 629

Non-interest income vs. expense

$2.7M$12.8MINCOMEEXPENSE
Unfavorable gap of $10.0M · efficiency ratio beats 45% of banks under $1B in assets
Bank 69.67%Peer median 67.8%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.60%1.01%1.45%Beats 38%389 / 629
Return on Equity8.52%5.38%9.30%13.28%Beats 44%352 / 629
Net Interest Margin3.85%3.03%3.54%4.05%Beats 67%210 / 629
Efficiency Ratio69.67%58.35%67.79%79.08%Beats 45%346 / 629
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.46%1.20%Beats 73%160 / 581
Net Charge-Offs / Loans0.29%n/a0.01%0.06%Beats 6%546 / 581
Capital
Tier 1 Capital Ratio12.76%11.24%13.84%18.77%Beats 41%372 / 629
Total Risk-Based Capital Ratio13.87%11.58%14.43%19.66%Beats 45%345 / 629
Equity / Assets10.14%9.09%10.65%13.80%Beats 41%370 / 629
Liquidity & Funding
Loans / Deposits97.00%67.24%80.90%93.48%81st pctl112 / 594
Loans / Assets84.92%53.31%67.71%78.15%92nd pctl51 / 629
Brokered Deposits / Depositsn/aNot reported for this institution