First Sentinel Bank

Overview / Commentary
315 Railroad Avenue
Richlands, VA 24641

First Sentinel Bank is headquartered in Richlands and is the 49th largest bank in the state of Virginia. It is also the 2,284th largest bank in the nation. It was established in 1978 and as of December of 2019, it had grown to 75 employees at 7 locations. First Sentinel Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #31928
Year Established1978
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD12.83%
Annual Interest Income$15.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$286.8MM$262.1MM
LoansQ4 2019vs Q4 2018$239.7MM$214.9MM
DepositsQ4 2019vs Q4 2018$239.5MM$222.5MM
Equity CapitalQ4 2019vs Q4 2018$25.8MM$23.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.4MM$2.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$932.00K
Real Estate OwnedQ4 2019vs Q4 2018$1.3MM$1.1MM
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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

0.15%--Diamond Savings

First Sentinel Bank Money Market Rates

0.40%*$250k*-Consumer Fed Funds Money Market
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k | 0.20% $100k - $250k
0.40%*$250k*-Commercial Fed Funds Money Market
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k | 0.20% $100k - $250k
0.15%*$50k*-Commercial Super Money Market
OTHER TIERS: 0.10% $5k - $50k
0.15%*$50k*-Emerald Money Market
OTHER TIERS: 0.10% Up to $50k
0.05%--Commercial Money Market

First Sentinel Bank Checking Account Rates

0.10%*$10k*-Gold Cash Back
OTHER TIERS: 0.05% Up to $10k
0.05%--Non Profit Checking
0.05%--Platinum Checking

First Sentinel Bank Locations
Claypool Hill Branch12678 Governor George C Peery HighwayPounding Mill, VA 24637
Tazewell Branch200 Valley View StreetNorth Tazewell, VA 24630
First Sentinel Bank315 Railroad AvenueRichlands, VA 24641
Lebanon Branch66 Townview DriveLebanon, VA 24266
Bluefield Branch801 S. College Ave., Ste. 5Bluefield, VA 24605
Wytheville Branch1104 North Fourth StreetWytheville, VA 24382
Bland Branch427 Main StreetBland, VA 24315

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