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

Unfavorable gap of $25.3M · efficiency ratio beats 29% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.82%	0.93%	1.23%	1.54%	Beats 19%	210 / 258	n/a
Return on Equity	9.72%	9.26%	11.84%	14.74%	Beats 30%	180 / 258	n/a
Net Interest Margin	4.05%	3.16%	3.49%	3.88%	Beats 84%	41 / 258	n/a
Efficiency Ratio	68.03%	51.71%	60.30%	69.65%	Beats 29%	184 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.50%	0.19%	0.46%	0.90%	Beats 45%	143 / 258	n/a
Net Charge-Offs / Loans	0.00%	0.01%	0.02%	0.07%	Beats 81%	50 / 258	n/a
Capital
Tier 1 Capital Ratio	9.06%	11.41%	12.98%	15.12%	Beats 0%	257 / 258	n/a
Total Risk-Based Capital Ratio	9.06%	12.10%	13.91%	16.08%	Beats 0%	257 / 258	n/a
Equity / Assets	8.49%	9.09%	10.24%	11.72%	Beats 13%	224 / 258	n/a
Liquidity & Funding
Loans / Deposits	96.70%	73.24%	86.34%	95.95%	78th pctl	58 / 258	n/a
Loans / Assets	86.90%	63.01%	72.27%	78.40%	97th pctl	9 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution