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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