Greenbrier, AR · Cert 18519 · First Service Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 1.2% share · #13 of 42 inst. · $0.5B of $36.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.76% | 0.68% | 0.93% | 0.97% | 0.95% | 0.90% | 0.87% | -6 bps | |
| Return on Equity | 7.71% | 8.84% | 7.67% | 10.56% | 11.04% | 10.94% | 10.70% | 10.27% | -29 bps | |
| Net Interest Margin | 3.54% | 3.50% | 4.08% | 4.04% | 4.02% | 3.92% | 4.23% | 4.05% | +1 bps | |
| Efficiency Ratio | 76.51% | 74.44% | 72.97% | 67.21% | 66.11% | 68.10% | 67.39% | 68.03% | +83 bps | |
| Non-Interest Burden | 2.56% | 2.42% | 2.85% | 2.49% | 2.41% | 2.43% | 2.65% | 2.57% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.18% | 11.61% | 15.89% | 16.69% | 11.74% | 23.97% | 21.61% | 22.29% | +560 bps | |
| Loan Growth (YoY) | 21.08% | 12.37% | 13.66% | 14.77% | 15.84% | 22.33% | 26.61% | 26.26% | +1,149 bps | |
| Deposit Growth (YoY) | 24.14% | 16.11% | 19.28% | 20.24% | 13.40% | 21.67% | 21.67% | 23.84% | +360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 0.88% | 0.87% | 0.74% | 0.68% | 0.66% | 0.52% | 0.50% | -23 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.09% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.37% | 1.36% | 1.37% | 1.42% | 1.35% | 1.34% | 1.34% | -3 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.5x | 1.6x | 1.9x | 2.1x | 2.1x | 2.6x | 2.7x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.31% | 9.66% | 9.36% | 9.27% | 9.13% | 9.20% | 9.06% | -30 bps | |
| Total Risk-Based Capital | 9.50% | 9.31% | 9.66% | 9.36% | 9.27% | 9.13% | 9.20% | 9.06% | -30 bps | |
| Equity / Assets | 8.56% | 8.97% | 8.78% | 8.66% | 8.74% | 8.34% | 8.52% | 8.49% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.63% | 94.53% | 92.62% | 94.85% | 95.64% | 95.04% | 96.38% | 96.70% | +185 bps | |
| Liquid Assets / Assets | 4.19% | 1.41% | 1.58% | 1.38% | 1.11% | 2.65% | 1.15% | 0.92% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 503% | 527% | 517% | n/a | n/a | |