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
Unfavorable gap of $10.0M · efficiency ratio beats 45% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.60% | 1.01% | 1.45% | Beats 38% | 389 / 629 | | |
| Return on Equity | 8.52% | 5.38% | 9.30% | 13.28% | Beats 44% | 352 / 629 | | |
| Net Interest Margin | 3.85% | 3.03% | 3.54% | 4.05% | Beats 67% | 210 / 629 | | |
| Efficiency Ratio | 69.67% | 58.35% | 67.79% | 79.08% | Beats 45% | 346 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.09% | 0.46% | 1.20% | Beats 73% | 160 / 581 | | |
| Net Charge-Offs / Loans | 0.29% | n/a | 0.01% | 0.06% | Beats 6% | 546 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.24% | 13.84% | 18.77% | Beats 41% | 372 / 629 | | |
| Total Risk-Based Capital Ratio | 13.87% | 11.58% | 14.43% | 19.66% | Beats 45% | 345 / 629 | | |
| Equity / Assets | 10.14% | 9.09% | 10.65% | 13.80% | Beats 41% | 370 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.00% | 67.24% | 80.90% | 93.48% | 81st pctl | 112 / 594 | | |
| Loans / Assets | 84.92% | 53.31% | 67.71% | 78.15% | 92nd pctl | 51 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |