Vitals
  • Total Assets
    629.9M 23.9 %
  • Total Deposits
    517.3M 26.3 %
  • Total Net Loans
    430.3M 18.8 %
  • Net Income
    5.4M 10.1 %
  • Book Value
    57.7M 14.3 %
  • Book Value x2
    115.5M 14.3 %
  • Book Value x3
    173.2M 14.3 %
ROAA

.991

ROAE

10.101

Efficiency Ratio

54.703

Net Interest Margin

3.53

Balance Sheet Highlights
Financial Highlights First Sentry Bank, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 629,864 360,672
Total Net Loans 430,320 251,469
Total Deposits 517,252 299,214
Total Equity 57,736 38,258
Profitability
Net Income 5,368 3,285
Return on Average Assets .991 .706
Return on Average Equity 10.101 6.418
Net Interest Margin 3.53 3.744
Efficiency Ratio 54.703 72.606
Noninterest Income/Revenue 7.542 20.548
Balance Sheet Ratios
Loan-to-Deposit 83.194 76.49
Securities/Assets .178 .175
Total Equity/Total Assets .092 .106
Tangible Equity/Tangible Assets .087 .096
Capital Adequacy
Tier 1 Common Capital 55,580 35,874
Tier 1 Capital 55,580 36,036
Tier 2 Capital 5,359 2,393
Total Capital 60,939 38,423
Total Risk Weighted Assets 428,027 244,928
Leverage Ratio 9.09 10.924
Common Equity Tier 1 Capital Ratio 12.99 18.341
Tier 1 Capital Ratio 12.99 18.347
Total Capital Ratio 14.24 19.449

Timeline for First Sentry Bank, Inc.

Rock Branch Community Bank, Inc.

Acquisition: First Sentry Bank, Inc. acquired a new subsidiary, Rock Branch Community Bank, Inc., 9 years

View Profile Oct 08 2016

Guaranty Bank & Trust Company

Acquisition: First Sentry Bank, Inc. acquired a new subsidiary, Guaranty Bank & Trust Company, 16 years

View Profile Sep 26 2009

Guaranty Insurance Services, Llc

Guaranty Insurance Services, Llc became a new subsidiary organization for First Sentry Bank, Inc..

View Profile Sep 26 2009

First Sentry Bancshares, Inc.

First Sentry Bancshares, Inc. became a new parent organization for First Sentry Bank, Inc..

View Profile Jan 01 2002

First Sentry Bank, Inc.

First Sentry Bank, Inc. was established 29 years ago and is currently headquartered in Huntington, WV.

Oct 23 1996
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Rock Branch Community Bank, Inc. Seller 80,376 Acquisition Discontinued 10/8/2016
Guaranty Bank & Trust Company Seller 138,748 Acquisition Discontinued 9/26/2009
Relationships Role Relationship Start Relationship End
First Sentry Bancshares, Inc. Parent 1/1/2002
Guaranty Insurance Services, Llc Subsidary 9/26/2009 3/30/2012
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