Bank · FDIC insured
First Sentinel Bank
A $398M bank headquartered in Richlands, VA, with 9 branches in 2 states. Best rates: CDs 4.22% and savings 0.13% APY.
First Sentinel Bank Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#3 of 5 in Bluefield, WV-VA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Sentinel Bank
First Sentinel Bank was chartered in 1978, originating from its first location in Richlands, Virginia.
The bank operates eleven locations, including nine full-service branches and two loan production offices, across Southwest Virginia, Southern West Virginia, and Eastern Tennessee.
- Headquarters
- 315 Railroad Ave, Richlands, VA 24641
- FDIC certificate
- 31928 ↗
Branches
9 branches in 2 states
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Virginia
8 branches
Bluefield area · 4
- First Sentinel BankMain office315 Railroad Ave, Richlands, VA 24641Directions
- Bluefield Branch801 S College Ave, Bluefield, VA 24605Directions
- Tazewell Branch118 Valleyview St, North Tazewell, VA 24630Directions
- Claypool Hill Branch12678 Governor George C Peery Highway, Pounding Mill, VA 24637Directions
Kingsport area · 1
- Abingdon Branch968 W Main St, Abingdon, VA 24210Directions
Bland area · 1
- Bland Branch427 Main St, Bland, VA 24315Directions
Lebanon area · 1
- Lebanon Branch66 Townview Dr, Lebanon, VA 24266Directions
Wytheville area · 1
- Wytheville Branch1105 N 4th St, Wytheville, VA 24382Directions
West Virginia
1 branch
- Princeton Branch329 Ingleside Rd, Princeton, WV 24740Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.11% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio10.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.11%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Sentinel Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.