PackageTrendsPeer
Letter portraitLegal landscape

First Service Bank

Greenbrier, AR · Cert 18519 · First Service Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Service Bank

Greenbrier, AR · Cert 18519 · First Service Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.0BAssets
$888.9MLoans
$919.2MDeposits
$86.8MEquity
Loan mix
90%RE $757.1M9%C&I $77.3M1%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $828.4M10%Noninterest $90.8MQ2 2025Q2 2026

NIM

6.60%Q2 ’246.84%Q2 ’256.78%Q2 ’26+15%+0%

Non-interest income vs. expense

3.30%Q2 ’243.18%Q2 ’253.15%Q2 ’26-7%+3%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 1.2% share · #13 of 42 inst. · $0.5B of $36.9B

8.0% Faulkner
37.4% Van Buren
0.5% Pulaski
29.1% Marion

Executive Summary

  • Earnings: ROA of 0.87%, down 6 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.50% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.06%, down 30 bps from a year ago.
  • Funding: loans stand at 96.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+1 bps YoY

Efficiency Ratio (YTD, annualized)

68.03%+83 bps YoY

Tier 1 Leverage Ratio

9.06%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.97%0.95%0.90%0.87%-6 bps
Return on Equity10.56%11.04%10.94%10.70%10.27%-29 bps
Net Interest Margin4.04%4.02%3.92%4.23%4.05%+1 bps
Efficiency Ratio67.21%66.11%68.10%67.39%68.03%+83 bps
Non-Interest Burden2.49%2.41%2.43%2.65%2.57%+8 bps
Growth
Asset Growth (YoY)16.69%11.74%23.97%21.61%22.29%+560 bps
Loan Growth (YoY)14.77%15.84%22.33%26.61%26.26%+1,149 bps
Deposit Growth (YoY)20.24%13.40%21.67%21.67%23.84%+360 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.68%0.66%0.52%0.50%-23 bps
Net Charge-Offs / Loans0.00%0.00%0.09%-0.01%0.00%0 bps
Allowance / Loans1.37%1.42%1.35%1.34%1.34%-3 bps
Allowance Coverage of NPLs1.9x2.1x2.1x2.6x2.7x+0.8x
Capital
Tier 1 Leverage Ratio9.36%9.27%9.13%9.20%9.06%-30 bps
Total Risk-Based Capital9.36%9.27%9.13%9.20%9.06%-30 bps
Equity / Assets8.66%8.74%8.34%8.52%8.49%-17 bps
Liquidity & Funding
Loans / Deposits94.85%95.64%95.04%96.38%96.70%+185 bps
Liquid Assets / Assets1.38%1.11%2.65%1.15%0.92%-46 bps
CRE / Total Capitaln/a503%527%517%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Service Bank

Greenbrier, AR · Cert 18519 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Service Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.0BAssets
$888.9MLoans
$919.2MDeposits
$86.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets operating in a single state (rank 257 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.82%

Rank 210 of 258

Net Interest Margin

4.05%

Rank 41 of 258

Efficiency Ratio

68.03%

Rank 184 of 257

Equity / Assets

8.49%

Rank 224 of 258

Non-interest income vs. expense

$5.7M$31.0MINCOMEEXPENSE
Unfavorable gap of $25.3M · efficiency ratio beats 29% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.93%1.23%1.54%Beats 19%210 / 258
Return on Equity9.72%9.26%11.84%14.74%Beats 30%180 / 258
Net Interest Margin4.05%3.16%3.49%3.88%Beats 84%41 / 258
Efficiency Ratio68.03%51.71%60.30%69.65%Beats 29%184 / 257
Asset Quality
Nonperforming Loans / Loans0.50%0.19%0.46%0.90%Beats 45%143 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 81%50 / 258
Capital
Tier 1 Capital Ratio9.06%11.41%12.98%15.12%Beats 0%257 / 258
Total Risk-Based Capital Ratio9.06%12.10%13.91%16.08%Beats 0%257 / 258
Equity / Assets8.49%9.09%10.24%11.72%Beats 13%224 / 258
Liquidity & Funding
Loans / Deposits96.70%73.24%86.34%95.95%78th pctl58 / 258
Loans / Assets86.90%63.01%72.27%78.40%97th pctl9 / 258
Brokered Deposits / Depositsn/aNot reported for this institution