First Service Bank
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Data as of · sourced from FFIEC call reports. How we update
First Service Bank is an FDIC-insured commercial bank headquartered in Greenbrier, AR, established in 1962 (FDIC certificate 18519), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.02B, up 22.3% from Q2 2025, the 24th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18519
- Headquarters
- Greenbrier, AR
- Established
- 1962
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +22.3%
- Tier 1 leverage ratio, Q2 2026
- 9.06%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 082907875
- Latest call report
- Q2 2026, FFIEC 051 · First Service Bank call report
- Holding company
- FIRST SERVICE BANCSHARES, INC.
- Asset rank in state
- 24th of 78 in Arkansas
First Service Bank pays more for its money than most banks of its size. It reported $1.0 billion in assets at June 30, 2026, up 22.3% from a year earlier. It pays an average of 3.09% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also grew its loan book 26.3% over the year, 4.4 times the median of 5.9% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.49% of loans, down from 0.74% a year earlier. Net income for the quarter slipped 12% from a year earlier, to $2.1 million. Where it has less room is capital: it funds 9.06% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, First Service Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 5.35%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, First Service Bank is the 24th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.2% to $1.02B, loans rose 4.8% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 23.5% of total loans, ahead of farmland and other real estate loans at 19.5%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities in AR; its Greenbrier office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Service Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 134 S Broadview St, Greenbrier, AR 72058
- County
- Faulkner
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 7, 1962
- Former names
- First Service Bank of Greenbrier (1998-1999); First Community Bank of S.E. Arkansas (1994-1998); First State Bank of Dermott (1976-1994)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $919.2M
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $985.3M
- Average total loans
- $868.2M
- Average interest-bearing deposits
- $802.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 7, 1962
- FDIC Cert
- 18519
- Fed RSSD
- 458544
- SEC CIK
- 1840934 → filed by FIRST SERVICE BANCSHARES, INC.
- Parent Holding Company
- FIRST SERVICE BANCSHARES, INC. (RSSD 1137266)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Service Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Service Bank's total assets ran between $637.0M (Q3 2023) and $1.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.02B total assets against $836.4M; $936.0M total liabilities against $764.0M.
$876.9M net loans and leases against $694.3M; $919.2M total deposits against $742.2M.
$39.4M securities against $61.5M; $48.8M cash and balances due against $30.0M.
$17.1M total interest income against $14.3M; $7.0M total interest expense against $5.7M.
$10.1M net interest income against $8.6M.
$1.4M total noninterest income against $1.9M; $7.9M total noninterest expense against $6.6M.
$716K provision for credit losses against $743K.
$2.1M net income against $2.4M.
0.85% return on assets against 1.17%; 4.32% net interest margin against 4.47%.
9.06% tier 1 leverage ratio against 9.36%.
Inside the full First Service Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Service Bank rankings
Its closest position to the top of a national ranking is 1,020 of 4,196, for total assets; its furthest is 2,809 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q1 2025) to 1.17% (Q2 2025) and its net interest margin ran from 4.06% (Q3 2024) to 4.47% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.06% | 0.85% | 0.50% | 5.35% | 4.32% |
| Q1 2026 | 9.20% | 0.92% | 0.52% | 5.82% | 4.46% |
| Q4 2025 | 9.13% | 0.93% | 0.66% | 6.06% | 4.33% |
| Q3 2025 | 9.27% | 1.05% | 0.68% | 6.71% | 4.47% |
| Q2 2025 | 9.36% | 1.17% | 0.74% | 7.65% | 4.47% |
| Q1 2025 | 9.66% | 0.69% | 0.87% | 9.06% | 4.31% |
| Q4 2024 | 9.31% | 1.04% | 0.88% | 9.54% | 4.10% |
| Q3 2024 | 9.50% | 0.84% | 1.51% | 15.36% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Service Bank (main office) | Greenbrier , AR | 72058 | $177.6M |
| Clinton Branch | Clinton , AR | 72031 | $170.0M |
| Little Rock Branch | Little Rock , AR | 72211 | $112.7M |
| Mountain View - Branch | Mountain View , AR | 72560 | $100.9M |
| Dermott Branch | Dermott , AR | 71638 | $74.3M |
| Conway Branch | Conway , AR | 72032 | $73.0M |
| Yellville Branch | Yellville , AR | 72687 | $67.1M |
| Flippin Branch | Flippin , AR | 72634 | $45.5M |
| Conway South Branch | Conway , AR | 72032 | $36.1M |
| Saline County Branch | Benton , AR | 72019 | $33.8M |
| Maumelle Branch | Maumelle , AR | 72113 | $28.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in AR, rank 27 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 254 applications, 194 loans originated, $69.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 39 loans, $36.1M approved, $925K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Service Bank
What are First Service Bank's total assets?
As of the Q2 2026 filing, First Service Bank reported total assets of $1.02 billion in its FFIEC call report.
Where is First Service Bank headquartered?
It is headquartered in Greenbrier, AR, United States.
When was First Service Bank founded?
It was established in 1962, per the FDIC institution directory.
Is First Service Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Service Bank?
First Service Bank's primary federal regulator is the FDIC.
How many branches does First Service Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Service Bank's Texas Ratio?
Its Texas Ratio is 5.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Service Bank previously called?
The charter now named First Service Bank has also operated as First Service Bank of Greenbrier (1998-1999), First Community Bank of S.E. Arkansas (1994-1998), First State Bank of Dermott (1976-1994), per FDIC structure-change records.
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