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This institution is no longer active

Operations ceased on April 5, 2018. CRA examination history below reflects the period it was active.

FIRST SENTRY BANK, INC.

HUNTINGTON, WV · Supervised by FDIC

Est. 1996FDIC #34,241RSSD: FDIC-34241
Part ofFIRST SENTRY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

823 Eighth Street, HUNTINGTON, WV

County

Cabell County

Established

October 23, 1996

Total Assets

$705M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2018Call Report / FDIC

Total Assets

$705M

Total Deposits

$577M

Net Loans

$460M

Net Income

$2M

ROA

1.08%

ROE

12.49%

Risk-Based Capital

14.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.98%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201810194.06%1.98%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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