First Service Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.69 percentage points lower than in Q1 2026, at 244.33%. Within Arkansas, First Service Bank is 67th of 78 on return on assets, 0.85% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. First Service Bank sits 0.43 points lower, at 0.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 8.49% |
| Tangible equity to tangible assets | 8.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.35% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 244.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 9.83% |
| Net interest margin | 4.32% |
| Efficiency ratio | 68.35% |
| Yield on earning assets | 7.28% |
| Cost of funds | 3.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.70% |
| Core deposits to total deposits | 70.12% |
| Brokered deposits to total deposits | 13.52% |
| Deposits to assets | 89.87% |
| Securities to assets | 3.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.83% | 0.70% | 3.92% | 0.22% | -0.13% |
| Q4 2023 | 9.44% | 0.48% | 3.77% | 0.81% | 0.02% |
| Q1 2024 | 9.00% | 0.61% | 3.67% | 1.88% | -0.03% |
| Q2 2024 | 9.71% | 0.56% | 3.98% | 1.98% | 0.02% |
| Q3 2024 | 9.50% | 0.84% | 4.06% | 1.59% | -0.02% |
| Q4 2024 | 9.31% | 1.04% | 4.10% | 0.96% | 0.00% |
| Q1 2025 | 9.66% | 0.69% | 4.31% | 0.93% | 0.00% |
| Q2 2025 | 9.36% | 1.17% | 4.47% | 0.83% | 0.00% |
| Q3 2025 | 9.27% | 1.05% | 4.47% | 0.72% | 0.00% |
| Q4 2025 | 9.13% | 0.93% | 4.33% | 0.66% | 0.37% |
| Q1 2026 | 9.20% | 0.92% | 4.46% | 0.52% | -0.01% |
| Q2 2026 | 9.06% | 0.85% | 4.32% | 0.55% | 0.02% |
First Service Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Service Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18519) · FFIEC NIC profile (RSSD 458544)