TellerScore

First Service Bank (FDIC certificate #18519) is based in Greenbrier, Arkansas. Its Q2 2026 call report shows $1.0B in total assets and $919.2M in deposits and 11 offices.

Based on its Q2 2026 filing, First Service Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 65th. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is funding & liquidity (39/100; 95% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 95.4% · 38.5% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 59).

TellerScore
435159Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202448
Q4 202455
Q1 202556
Q2 202558
Q3 202559
Q4 202559
Q1 202659
Q2 202659
Tier 1 leverage ratio
5.00%7.35%9.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.71%
Q3 20249.50%
Q4 20249.31%
Q1 20259.66%
Q2 20259.36%
Q3 20259.27%
Q4 20259.13%
Q1 20269.20%
Q2 20269.06%
Noncurrent loans
0.50%1.23%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.96%
Q3 20241.51%
Q4 20240.88%
Q1 20250.87%
Q2 20250.74%
Q3 20250.68%
Q4 20250.66%
Q1 20260.52%
Q2 20260.50%
Return on assets
0.58%0.77%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.66%
Q4 20240.76%
Q1 20250.68%
Q2 20250.93%
Q3 20250.97%
Q4 20250.95%
Q1 20260.90%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.0B9.06%0.50%0.87%95.4%
Q1 202659$972.0M9.20%0.52%0.90%95.1%
Q4 202559$921.1M9.13%0.66%0.95%93.8%
Q3 202559$855.5M9.27%0.68%0.97%94.3%
Q2 202558$836.4M9.36%0.74%0.93%93.5%
Q1 202556$799.2M9.66%0.87%0.68%91.4%
Q4 202455$743.0M9.31%0.88%0.76%93.2%
Q3 202448$765.6M9.50%1.51%0.66%92.5%
Q2 202443$716.8M9.71%1.96%0.58%98.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.06%
13th
Total risk-based capital0.00%
13th
Problem loans0.50%
51st
Net charge-offs0.00%
71st
Return on assets0.87%
22nd
Net interest margin4.40%
84th
Efficiency ratio68.0%
25th
Loans to deposits95.4%
25th
Uninsured deposits38.5%
31st
Loan-loss reserves1.34%
75th
Texas ratio5.5%
35th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Generations BankBank Rogers, AR63 out of 100, Moderate$1.1B11.5%1.51%vs
First Arkansas Bank and TrustBank Jacksonville, AR63 out of 100, Moderate$1.1B10.7%1.63%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs

Deposit insurance

Is my money safe at First Service Bank?

Yes. First Service Bank is an FDIC-insured institution (FDIC certificate #18519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.5% of deposits ($354.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Service Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Service Bank reported 254 home-loan applications under HMDA (LEI 549300W2LKZKSX67ZU02): 194 originated ($69,020,000 total), 25 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Service Bank
Former names
First State Bank of Dermott; First Service Bank of Greenbrier; First Community Bank of S.E. Arkansas; First National Bank of Dermott
Type
State-chartered bank
FDIC certificate #
18519
RSSD ID
458544
Primary regulator
FDIC
Holding company
First Service Bancshares Inc
Established
May 7, 1962
Headquarters
134 S Broadview St, Greenbrier, AR 72058
Employees
156

Quick answers

First Service Bank: common questions

Is First Service Bank FDIC insured?

Yes. First Service Bank is an FDIC-insured institution (FDIC certificate #18519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Service Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Service Bank ever failed?

There is no failure record for FDIC certificate #18519 in the FDIC failed bank list.

How many branches does First Service Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenbrier

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Petit Jean State BankBank Morrilton, AR93 out of 100, Very strong$260.0M16.9%0.63%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Eagle Bank and Trust CompanyBank Little Rock, AR83 out of 100, Strong$505.7M16.4%0.65%vs
Arkansas Kraft Employees Federal Credit UnionCredit union Morrilton, AR83 out of 100, Strong$4.4M28.8%0.19%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs