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First Service Bank
Greenbrier, AR · FDIC Certificate #18519 · Chartered 05/0
Total assets
$1.02B
Total deposits
$919.20M
Total equity
$86.82M
Net loans
$876.93M
Branches (offices)
11
Net income (YTD)
$4.22M
Rank: #1,028 of 4,213 U.S. banks by assets · #24 of 78 in Arkansas. Assets changed 22.3% and deposits 23.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 10.27% |
| Net interest margin (YTD) | 4.40% |
| Equity to assets | 8.49% |
| Tier 1 leverage ratio | 9.06% |
| Uninsured deposits (share of deposits) | 38.5% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.4% |
| Real estate loans (share of loans) | 91.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $803.56M | 91.6% | |
| Commercial & industrial | $70.84M | 8.1% | |
| Consumer / individual | $5.49M | 0.6% | |
| Construction & development | $208.87M | 23.8% | |
| Agricultural | $3.38M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $491.99M | $437.57M | $3.42M | $52.08M |
| Jun 2023 | $595.31M | $512.33M | $1.96M | $54.37M |
| Jun 2024 | $716.76M | $617.29M | $1.99M | $63.78M |
| Jun 2025 | $836.37M | $742.25M | $3.68M | $72.40M |
| Jun 2026 | $1.02B | $919.20M | $4.22M | $86.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $919.20M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $919.20M.
Similar-sized banks
First Central Savings Bank ($1.03B) · Walden Savings Bank ($1.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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