Total Assets
$404M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First Sentinel Bank — FDIC Bank Health Profile
Richlands, Virginia · Est. 1978. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #31928 Atlanta Region
C
Health grade
Fair
Score: 57/100
Basel III capital ratios — First Sentinel Bank
Total Deposits
$353M
Customer-funded liabilities
Net Loans
$331M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
12.55% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
12.55%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$39M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.92%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
9.68%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
63.26%
Income & Expense Breakdown
$24M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
FDIC Deposit Insurance
First Sentinel Bank is FDIC-insured (Certificate #31928). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First Sentinel Bank
First Sentinel Bank is an FDIC-insured institution (Certificate #31928) headquartered in Richlands, Virginia, established in 1978. The bank currently holds $404M in total assets and $353M in customer deposits, with $331M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First Sentinel Bank reports a Tier 1 Capital Ratio of 12.55% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $39M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.92% and a Return on Equity of 9.68%, with an Efficiency Ratio of 63.26% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (57/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Sentinel Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First Sentinel Bank (FDIC Cert #31928) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National Association Mclean | $658.5B | C | 0.55% |
| HSBC Bank USA, National Association Tysons | $165.3B | B | 0.92% |
| Atlantic Union Bank Richmond City | $37.5B | C | 0.99% |
| United Bank Fairfax | $33.5B | B | 1.50% |
| TowneBank Portsmouth | $19.7B | D | 0.90% |
| Burke & Herbert Bank & Trust Company Alexandria | $7.9B | B | 1.69% |
| Carter Bank & Trust Martinsville | $4.8B | D | 0.72% |
| The First Bank and Trust Company Lebanon | $4.2B | B | 1.62% |
Frequently Asked Questions
What is First Sentinel Bank's health grade? ▼
First Sentinel Bank receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Sentinel Bank? ▼
First Sentinel Bank holds $404M in total assets and $353M in deposits. It is headquartered in Richlands, Virginia.
Is my money safe at First Sentinel Bank? ▼
Yes. First Sentinel Bank is FDIC-insured (Certificate #31928). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First Sentinel Bank's Tier 1 Capital Ratio? ▼
First Sentinel Bank has a Tier 1 Capital Ratio of 12.55%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is First Sentinel Bank? ▼
First Sentinel Bank has an Efficiency Ratio of 63.26%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.