First Sentinel Bank (FDIC #31928): Bank Stress & Real-Estate Credit Exposure
First Sentinel Bank (FDIC Cert #31928): bank stress 73/100, elevated, STABLE over 7 days; parent FIRST REGION BANCSHARES INC.
First Sentinel Bank (#31928) lends in 6 counties across 2 states; First Sentinel Bank (#31928) reaches 74 ZIP codes: Virginia 5 counties, 54 ZIPs; West Virginia 1 county, 20 ZIPs.
First Sentinel Bank (#31928) largest markets: Mercer County, WV (20 branches, 20 ZIPs) (#31928), Tazewell County, VA (72 branches, 18 ZIPs) (#31928), Russell County, VA (11 branches, 11 ZIPs) (#31928), Washington County, VA (11 branches, 11 ZIPs) (#31928), Wythe County, VA (11 branches, 11 ZIPs) (#31928), Bland County, VA (6 branches, 6 ZIPs) (#31928).
First Sentinel Bank (#31928) reports $398.0 million in total assets; First Sentinel Bank (#31928) equity $40.4 million (10.1% of First Sentinel Bank (#31928) assets); First Sentinel Bank (#31928) domestic deposits $348.5 million; First Sentinel Bank (#31928) net income $1.7 million; First Sentinel Bank (#31928) return on assets 0.85%; First Sentinel Bank (#31928) return on equity 8.66%; First Sentinel Bank (#31928) net interest income $7.8 million; First Sentinel Bank (#31928) call report June 30, 2026.
First Sentinel Bank (#31928) noncurrent real-estate loans: none reported; First Sentinel Bank (#31928) net charge-offs on real estate 0.02%.
First Sentinel Bank (#31928) net interest margin 4.14% against an eight-quarter First Sentinel Bank (#31928) average of 4.01% (First Sentinel Bank (#31928) compression -0.13 points); First Sentinel Bank (#31928) rate-exposure score 40/100, First Sentinel Bank (#31928) fixed-rate trap 40/100; First Sentinel Bank (#31928) risk type credit driven; First Sentinel Bank (#31928) rate regime rates elevated, First Sentinel Bank (#31928) snapshot October 19, 2026.
First Sentinel Bank (#31928) stress score moved from 74.2 on June 22, 2026 to 73 on October 19, 2026; First Sentinel Bank (#31928) ranged 73 to 74.2 over 116 snapshots.
First Sentinel Bank (#31928) alerts: 6 counties; top First Sentinel Bank (#31928) alert scores: Bland County, VA 50 (elevated); Abingdon County, VA 23 (low); Lebanon County, VA 23 (low); Princeton County, VA 23 (low); Richlands County, VA 23 (low).