PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Service

Houston, TX · Charter 68605

NCUA · 14 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.3BShares
$163.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 9 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.62% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.94%, down 12 bps from a year ago.
  • Funding: loans stand at 93.23% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.49%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+12 bps YoY

Efficiency Ratio (YTD, annualized)

79.53%-232 bps YoY

Net Worth / Assets

10.94%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.07%0.58%0.40%0.42%0.42%0.24%0.49%+9 bps
Return on Equity1.58%0.76%5.19%3.59%3.75%3.84%2.21%4.44%+86 bps
Net Interest Margin3.17%2.76%3.59%3.66%3.70%3.65%3.64%3.78%+12 bps
Efficiency Ratio85.74%83.23%78.31%81.84%81.39%80.97%82.58%79.53%-232 bps
Growth
Asset Growth (YoY)1.17%20.58%6.38%8.16%5.30%-8.66%4.69%5.40%-276 bps
Loan Growth (YoY)1.78%5.20%8.99%9.06%7.76%8.36%7.66%8.28%-78 bps
Share Growth (YoY)14.31%12.38%9.19%8.38%3.88%5.79%4.54%3.28%-510 bps
Asset Quality
Delinquent Loans / Loans0.85%0.82%0.85%0.78%0.72%0.57%0.53%0.62%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.44%9.61%11.08%11.06%11.11%10.92%10.90%10.94%-12 bps
Net Worth / Assets11.44%9.61%11.08%11.06%11.11%10.92%10.90%10.94%-12 bps
Liquidity & Funding
Loans / Shares86.97%89.19%86.51%88.92%90.22%91.36%89.09%93.23%+431 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps