First Sentinel Bank

Overview / Commentary

www.firstsentinelbank.com

276-963-3000

315 Railroad Avenue
Richlands, VA 24641

First Sentinel Bank is headquartered in RICHLANDS and is the 42^nd largest bank in the state of Virginia. It is also the 2,092^nd largest bank in the nation. It was established in 1978 and as of June of 2024, it had grown to 82 employees at 9 locations. First Sentinel Bank's money market rates are 6X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	31928
Year Established	1978
Employees	82
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	7.37%
Annual Interest Income	$11.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$388.9MM$391.2MM
Loans	Q2 2024vs Q2 2023	$325.9MM$327MM
Deposits	Q2 2024vs Q2 2023	$345.9MM$343.1MM
Equity Capital	Q2 2024vs Q2 2023	$35.6MM$33.9MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$3.8MM$4.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$360K$491K
Real Estate Owned	Q2 2024vs Q2 2023	$208K$292K

Rates

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Savings
Money Market
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Sentinel Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Diamond Savings

First Sentinel Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$250k^*	-	Consumer Fed Funds Money Market
OTHER TIERS: 0.10% → $0 - $50k \| 2.03% → $50k - $100k \| 2.27% → $100k - $250k
2.53%^*	$250k^*	-	Commercial Fed Funds Money Market
OTHER TIERS: 0.10% → $0 - $50k \| 2.03% → $50k - $100k \| 2.27% → $100k - $250k
0.25%^*	$100k^*	-	Emerald Money Market
OTHER TIERS: 0.10% → $0 - $10k \| 0.13% → $10k - $25k \| 0.15% → $25k - $50k \| 0.18% → $50k - $100k
0.15%^*	$50k^*	-	Commercial Super Money Market
OTHER TIERS: 0.10% → $5k - $50k
0.10%	$0	-	Commercial Money Market

First Sentinel Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.12%^*	$25k^*	-	Gold Cash Back
OTHER TIERS: 0.10% → $0 - $25k
0.05%	$0	-	Non Profit Checking
0.05%	$0	-	Platinum Checking

Locations

First Sentinel Bank Locations
Claypool Hill Branch	12678 Governor George C Peery Highway	Pounding Mill, VA 24637
Tazewell Branch	200 Valley View Street	North Tazewell, VA 24630
First Sentinel Bank	315 Railroad Ave	Richlands, VA 24641
Lebanon Branch	66 Townview Drive	Lebanon, VA 24266
Bluefield Branch	801 S. College Ave., Ste. 5	Bluefield, VA 24605
Wytheville Branch	1104 North Fourth Street	Wytheville, VA 24382
Bland Branch	427 Main Street	Bland, VA 24315
Princeton Branch	329 Ingleside Road	Princeton, WV 24740
Abingdon Branch	968 West Main Street	Abingdon, VA 24210

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