First Sentinel Bank
Total assets
$398.0M
▲ +0.3% YoY
Deposits
$348.5M
▲ +0.4% YoY
Loans
$334.5M
▲ +0.8% YoY
Offices
9
FIRST REGION BANCSHARES INC
ROA (annualized)
0.85%
peers 1.24%
ROE (annualized)
8.66%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Sentinel Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
Profile
- Established
- 1978
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST REGION BANCSHARES INC
- Specialization
- Consumer Lending Specialization
- Address
- 315 Railroad Ave, Richlands, VA, 24641
- County
- Tazewell
- Metro area
- Bluefield, WV-VA
- Offices
- 9
- FDIC cert #
- 31928
- RSSD ID
- 920975
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $398.0M | $348.5M | $334.5M | $40.4M | $1.7M | 0.85% | 4.14% | 0.09% |
| Q1 2026 | $412.7M | $361.4M | $329.2M | $39.5M | $828K | 0.81% | 4.06% | 0.08% |
| Q4 2025 | $403.8M | $352.9M | $330.6M | $39.4M | $3.7M | 0.92% | 4.14% | 0.12% |
| Q3 2025 | $404.5M | $354.2M | $333.9M | $38.4M | $2.7M | 0.92% | 4.14% | 0.15% |
| Q2 2025 | $396.9M | $346.9M | $331.8M | $38.1M | $1.8M | 0.89% | 4.11% | 0.15% |
| Q1 2025 | $396.7M | $347.6M | $331.5M | $37.2M | $861K | 0.87% | 4.06% | 0.23% |
| Q4 2024 | $394.5M | $348.9M | $323.9M | $37.0M | $3.4M | 0.86% | 3.76% | 0.12% |
| Q3 2024 | $393.4M | $350.1M | $323.6M | $35.9M | $2.2M | 0.74% | 3.68% | 0.14% |
Loan mix (Q2 2026): real estate $164.8M · commercial $13.9M · consumer $158.5M · securities $1.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Sentinel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 62.9% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Sentinel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Sentinel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Sentinel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Sentinel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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