First Sentinel Bank

Overview / Commentary

www.firstsentinelbank.com

276-963-0836

315 Railroad Avenue
Richlands, VA 24641

First Sentinel Bank is headquartered in Richlands and is the 51^st largest bank in the state of Virginia. It is also the 2,400^th largest bank in the nation. It was established in 1978 and as of March of 2019, it had grown to 70 employees at 7 locations. First Sentinel Bank's money market rates are 5X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	31928
Year Established	1978
Employees	70
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	13.5%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$267.0MM$254.4MM
Loans	Q1 2019vs Q1 2018	$213.7MM$192.1MM
Deposits	Q1 2019vs Q1 2018	$226.7MM$216.7MM
Equity Capital	Q1 2019vs Q1 2018	$23.9MM$21.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$2.4MM$2.4MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.2MM$523.00K
Real Estate Owned	Q1 2019vs Q1 2018	$1.2MM$1.3MM

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
0.40%	-	-	Diamond Savings

First Sentinel Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$250k^*	-	Consumer Fed Funds Money Market
OTHER TIERS: 0.40% → Up to $50k \| 1.76% → $50k - $100k \| 2.02% → $100k - $250k
2.27%^*	$250k^*	-	Commercial Fed Funds Money Market
OTHER TIERS: 0.40% → Up to $50k \| 1.76% → $50k - $100k \| 2.02% → $100k - $250k
0.40%^*	$50k^*	-	Commercial Super Money Market
OTHER TIERS: 0.35% → $5k - $50k
0.40%^*	$50k^*	-	Emerald Money Market
OTHER TIERS: 0.35% → Up to $50k
0.15%	-	-	Commercial Money Market

First Sentinel Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$10k^*	-	Gold Cash Back
OTHER TIERS: 0.10% → Up to $10k
0.20%	-	-	Non Profit Checking
0.20%	-	-	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 Avenue	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

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