First Service Bank: how it compares with its peers
Against 27 AR banks with half to twice its assets, First Service Bank's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.99% peer median). Its weakest relative measure is return on assets (0.87% vs. 1.42%).
| Measure | First Service Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.42% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.99% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.03% | 57.44% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.40% | 85.57% | Context |
What it means for lending operations
Its efficiency ratio of 68.03% is above the 57.44% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Diamond Bank Murfreesboro, AR · $957M
- Generations Bank Rogers, AR · $1.09B
- Central Bank Little Rock, AR · $955M
- Stone Bank Mountain View, AR · $951M
- First Arkansas Bank and Trust Jacksonville, AR · $1.14B
- Anstaff Bank Green Forest, AR · $1.18B
Questions about First Service Bank
How big is First Service Bank?
First Service Bank, established in 1962, is headquartered in Greenbrier, AR. It reported $1.02B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Service Bank's return on assets?
0.87% annualized in Q2 2026, against a 1.42% median for 27 AR banks with half to twice its assets, ahead of 7% of them.
What is First Service Bank's efficiency ratio?
68.03% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 57.44%, and lower is better.
Is First Service Bank growing its loans?
Net loans grew 26.3% over the year to Q2 2026, while deposits grew 23.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.