First Service Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Service Bank of Greenbrier, AR against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 1.34% | -0.49% | 19th bottom |
| ROAE | 9.83% | 12.40% | -2.57% | 29th below |
| Net Interest Margin | 4.32% | 3.83% | +0.49% | 83rd top |
| Efficiency Ratio | 68.35% | 57.84% | +10.51% | 23rd bottom |
| PPNR / Avg Assets | 1.47% | — | — | 33rd below |
| Yield on Earning Assets | 7.28% | 5.71% | +1.57% | 96th top |
| Cost of Funds | 3.09% | 2.02% | +1.07% | 7th bottom |
| Net Interest Spread | 3.86% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 1.00% | -0.45% | 55th above |
| NPA / Total Assets | 0.57% | — | — | 44th below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 57th above |
| ACL / Total Loans | 1.34% | — | — | 74th above |
| ACL / NPLs (Coverage) | 244.33% | — | — | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.35% | 5.47% | -0.12% | 36th below |
| Provision / NCO | 7726.32% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.06% | 11.11% | -2.05% | 13th bottom |
| Equity / Assets | 8.49% | 11.02% | -2.53% | 13th bottom |
| TCE / Tangible Assets | 8.49% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.70% | 86.99% | +9.71% | 24th bottom |
| Core Deposit Ratio | 70.12% | 85.57% | -15.45% | 9th bottom |
| Wholesale Funding Ratio | 0.92% | — | — | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.29% | — | — | 92nd top |
| Loan Growth (Y/Y) | 26.26% | — | — | 94th top |
| Deposit Growth (Y/Y) | 23.84% | — | — | 92nd top |
See First Service Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Service Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Service Bank profile, how to read a UBPR, or how this data updates.