First Service Bank
Greenbrier, Arkansas, Faulkner County
$1.0B in total assets, the 1,050th largest of 4,309 US banks and 24th of 78 headquartered in Arkansas.
- FDIC certificate
- 18519
- Established
- 1962
- Owned by
- First Service Bancshares Inc
- Primary regulator
- FDIC
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $1.6B | |
| Loans | $889M | 10% | $1.4B | |
| Deposits | $919M | 2% | $1.5B | |
| Return on assets | 0.91% | 16% | 1.24% | |
| Net interest margin | 4.40% | 90% | 4.01% | |
| Efficiency ratio | 68.0% | 79% | 57.4% | |
| Equity to assets | 8.49% | 16% | 11.19% | |
| Loans to deposits | 97% | 84% | 88% |
Growth
Total assets grew 17.9% a year over the last 5 years and 14.3% a year over 10 years, without acquisitions.
Where they operate
11 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Faulkner County, AR | $287M | 8.0% | 3 of 17 |
| Van Buren County, AR | $170M | 37.4% | 1 of 7 |
| Pulaski County, AR | $141M | 0.5% | 23 of 33 |
| Marion County, AR | $113M | 29.1% | 2 of 6 |
| Stone County, AR | $101M | 19.2% | 3 of 7 |
| Chicot County, AR | $74M | 23.2% | 2 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (10 to 11, +10.0%). 4 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2017 | Opened ConwayClosed Shirley | 1 | 1 | 0 | 10 |
| 2019 | Opened Little RockClosed Little Rock | 1 | 1 | 0 | 10 |
| 2021 | Closed Marshall | 0 | 1 | −1 | 9 |
| 2024 | Opened Maumelle | 1 | 0 | +1 | 10 |
| 2025 | Opened Benton | 1 | 0 | +1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Construction and land | 23% | 13% | |
| Commercial real estate | 22% | 30% | |
| Farmland | 20% | 10% | |
| 1-4 family residential | 19% | 23% | |
| Business (C&I) | 8% | 14% | |
| Multifamily | 6% | 5% | |
| Consumer | 1% | 3% | |
| Agricultural | 0% | 3% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 47% | 34% | |
| Other interest-bearing | 43% | 47% | |
| Noninterest-bearing | 10% | 18% |
Brokered deposits are 13.5% of deposits (peers 6.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.49% | 0.39% |
| Net charge-offs, annualized | 0.00% | 0.10% |
| Reserves to loans | 1.34% | 1.27% |
| Leverage ratio | 9.06% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Faulkner County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-service