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First Sentinel Bank


First Sentinel Bank is an FDIC insured institution headquartered at 315 Railroad Ave, Richlands, VA 24641.
It was founded in 1978 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - May 31, 2026

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
12 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
18 Mo CD
0.45% $10,000 Compare
18 Mo CD
0.45% $100,000 Compare
24 Mo CD
0.55% $10,000 Compare
24 Mo CD
0.55% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31928
Date Established 1978
Assets $ 403.83 million
Loans $ 330.62 million
Deposits $ 352.94 million
Capital $ 39.36 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 54.82 million
Interest-bearing balances $ 41.64 million
Total securities $ 1.45 million
Federal funds sold and reverse repurchase $ 0.63 million
Net loans and leases $ 330.62 million
Loan loss allowance $ 3.54 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles N.A.
All other assets $ 8.92 million
     Total Assets $ 364.47 million

LIABILITIES
Total deposits $ 352.94 million
      Interest-bearing deposits $ 300.08 million
      Deposits held in domestic offices $ 352.94 million
      % insured (estimated)" 70.81%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.60 million
Subordinated debt N.A.
All other liabilities $ 1.99 millionn
      Total Liabilities $ 364.47 million
      Shareholders’ Equity $ 39.36 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 23.80 million
Total Interest Expense $ 8.35 million
Net interest income $ 15.44 million
Provision for loan and lease losses $ 1.91 million
Total non interest income $ 2.75 million
Total non interest expense $ 11.51 million
Pre-tax Net Operating Income $ 2.58 million

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