# FIRST SENTINEL BANK
RICHLANDS, VA · FDIC certificate 31928 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $398.0M | |
| Deposits | $348.5M | |
| Loans and leases | $338.0M | |
| Total equity | $40.4M | |
| Loans / deposits | 95.98% (p83 of band) | 82.04% |
| Liquid assets / assets | 11.85% (p8 of band) | |
| Uninsured deposits / deposits | 28.55% (p61 of band) | 25.97% |
| Brokered deposits | 2.64% | |
| Wholesale funding | 4.52% (p56 of band) | |
| FHLB advances / assets | 1.88% | |
| Tier 1 leverage | 10.02% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -0.42% (p91 of band) | -8.10% |
| AOCI / equity | 0.00% (p80 of band) | |
| ROA (annualized) | 0.85% (p24 of band) | 1.28% |
| Net interest margin | 4.14% (p64 of band) | 3.91% |
| Efficiency ratio | 69.67% (p72 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.27% (p93 of band) | |
| Reserve coverage of noncurrent | 959.89% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 14.28% (p19 of band) | |
| Auto loans | $148.9M (44.05% of loans; DQ 0.43%, NCO 0.23%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | capital falling, auto book souring |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | loans exceed deposits | capital falling |
| 2020-03 | 2 |  | loans exceed deposits |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2020-09 | 4 | liquid assets <10% | wholesale funding >15%, capital falling |
| 2020-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2021-06 | 3 |  | loans exceed deposits |
| 2021-09 | 2 |  | liquid assets <10% |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-10 [Veteran Marine rescues two-year-old in deadly crash that killed nine - TMJ4 News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPX2Q5YWN1aDFwMFBZRVVLOV9VYlhQVWhSQWNQa1lVTThWVWhfV0hMSFlGZnFmVUtWbFZuVG5CMUR0NnJjSGVVREh3Yzd6Y3pMLTdXbG1XOFNCOXJ2aUl2OE5EMkJhM1VtOXlpY1huNmt6Nk44aXdmeGJYMXJxaUx2cnRJS0RodlRENTItQ2hHTVpUZ1RaMGVCUng1d3BMTVpYRTdQSg?oc=5) · TMJ4 News
- 2026-01-26 [Aaron Gilmer "A.G." Brewster Obituary (2026) - Cedar Bluff, VA - Crevasse's Simple Cremation - Gainesville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdmRaS1R3Q2R1MC1nZWQxcElkQ1prNTVwYzBaZGFDb3ZwUXF1VHVNaHF2MnFJWTV1NktybWxhdzZyb25NZWJxVnVjMU16NjdfczJZZEZNZFNiSnljSjhzOXlGblFHWHpRLXFLWjhqRXowUUVPcGRvenowN0l5ajRkeElRQQ?oc=5) · legacy.com
- 2019-04-18 [Wayne Henderson and Helen White to perform in Tazewell - heraldcourier.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxON3dPUnh6ZW9IcnlxZnVYdFV1TUN6QnY4Z29yb1RVbFJESUFvYmNTaGs5aS0zbDNLcDdQU2NySzlTVEV5eVdwcHlqVU43cUV1d0pxaTlmQkpsd1Vxanc4aEcyTkFBRUlBX0ctSnZDZlhrVkxhVHU1XzB6Q240NlJJakN1UDIydEJRaWZFSEp5WFZBc2xaN20zWmdEa0JYM3ctMFhYR0VyeEFadmNQa2dOYWI4X3lQcXlaQ0p4NTNWYkJqUlBHOTR5NEwtYkNCcUJYNkxNX05CTGlzWWpHa202QVJKcGtzdw?oc=5) · heraldcourier.com
- 2004-05-22 [John Brentley Meadows - View Obituary & Service Information - Hurst-Scott Funeral Home](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUnRsLXdYN2JQNUFZb09zZHhpcC1nTDBLeUtWT2dHVzNXbWNiRm1QUDZsNmRyMUxnQnNpeWl6Z3NRYllaNXc4ZTFuU01yb1RrNkZVYUVUVGgtcFRhYkd1YmJrVy04LWFpVkUzM2ZoS0NSU2J0d19SeW5LcnpSVngwV2pvVzgzd1U?oc=5) · Hurst-Scott Funeral Home
- 2023-02-14 [Keeping taxes low and reviving local projects: What casino tax revenue will mean for Southwest Virginia - Cardinal News](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPNlJ6YXBaLUEtakxycWNQaGRwR0ZBMVp4NVdmekJiTWxPZUxkc1VnSDNtR2xGVXFYbTlvdDYwMkl0a0MyRDRvdFAzRE9YSmMzMXl1dUVObkZNZkpLSl9wTW0tOEU2TUpxT01DSGFnRm9oeG92VTN6aThvMHlJZmVJeHU4ZVY3dGdWRzBPNUFSMWxBQW1QNjVVSmd3ak1RTjJ3QkNUem9MQ2w5ZHF6QTdmZjh6RE1QZFR1NEt5UDFtMnRRZi12SVF4UFZhY0ZkQ2NZVGtaMXdR?oc=5) · Cardinal News
- 2024-10-27 [Ray Bowling Obituary (1951 - 2024) - Richlands, Virginia, VA - Roanoke Times - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWFV5bFJBUGpXbUdQYVBDMXIzcUNmNlpYM1Jady1oX2lNQWE2MVNXbjRSaXRsa1VnTDdJVVItWU56bnlWd2ZtYktPMHJEOFBUT0k4Q19mLVFJQTNzQzJCUGIwbHFUT21WenhkTkZzaHVFMHNaTUJ6Q25keTBHRGNzRFk5eVVYaW9KUXc?oc=5) · legacy.com
- 2005-09-25 [Jack D. Merritt Sr. - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNa1R2dVZGNk4xb0MtUWU3SDlTdUhNNDN3MGt3OWpDQTFIS3JfcTdib0hDWlRHS2ZpOW1Za3NyTEg1TWhMY3o0My1jam5BLWtaa0dsRzBKbmZNeVNjcFpsTVp5WmpQSkZGMF95bzhmSHVENXEwSFh6bDUtUVNRbTdRc182QU5EN1pjeDRfdk1Sdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31928 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "31928", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide