| Weiss Ratings |
First Sentinel Bank
Richlands, VA |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 0.30 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 3.70 | |||
| Company Info |
First Sentinel Bank
Richlands, VA |
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| FDIC Number | 31928 | |||
| Phone Number | (276) 963-0836 | |||
| Website | www.firstsentinelbank.com | |||
| Asset Quality |
First Sentinel Bank
Richlands, VA |
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| 1-Year Asset Growth | 2.06% | |||
| 5-Year Asset Growth | 7.51% | |||
| 5-Year Charge-Offs to Average Loans | 0.37% | |||
| Charge-Offs to Average Loans | 0.67% | |||
| Non-Performing Assets to Assets | 0.15% | |||
| Non-Performing Loans to Capital | 1.07% | |||
| Non-Performing Loans to Loans | 0.13% | |||
| Balance Sheet |
First Sentinel Bank
Richlands, VA |
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| Total Assets | 396.90M | |||
| Total Deposits | 346.94M | |||
| Capital and Reserves |
First Sentinel Bank
Richlands, VA |
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| Capital | 38.14M | |||
| Leverage Ratio | 9.59 | |||
| Loan Loss Reserves to Loans | 1.05% | |||
| Risk-Based Capital Ratio | 13.09 | |||
| Liquidity |
First Sentinel Bank
Richlands, VA |
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| Hot Money Ratio | 26.91% | |||
| Liquidity Ratio | 13.48% | |||
| Profitability |
First Sentinel Bank
Richlands, VA |
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| 5-Year Return on Average Assets | 0.99% | |||
| Net Income | 1.77M | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 1.15% | |||
| Overhead Efficiency Ratio | 63.69% | |||
| Return on Assets | 0.89% | |||
| Return on Equity | 9.44% | |||