Total Assets
$921M
Total balance-sheet footings
FDIC Cert #18519 · Greenbrier, Arkansas · Est. 1962
First Service Bank - FDIC Bank Health Profile
A community-scale look at First Service Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $921M
- Total assets
- C
- Health grade · Fair
- 0.95%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Service Bank earns a PlainBankData health grade of C (56/100), with 9.13% Tier 1 capital, 0.95% ROA, 68% efficiency ratio.
- #1,123
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 9.13%
- Tier 1 ratio - below the 10% well-capitalized line
- 39th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Service Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Service Bank's composite health score
Tier 1 Capital Ratio (9.13%) 18/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (5.84%) 16/20
Efficiency Ratio (68.10%) 8/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$816M
Customer-funded liabilities
Net Loans
$765M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Service Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Service Bank's score of 56/100 falls in the highlighted band.
First Service Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Service Bank's $921M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.13% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.13%
Texas Ratio
5.84%
Equity Capital
$77M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
10.94%
Efficiency Ratio
68.10%
What the numbers say about First Service Bank
First Service Bank is an FDIC-insured institution (Certificate #18519) headquartered in Greenbrier, Arkansas, established in 1962. It holds $921M in total assets - 1,123rd of 4,313 FDIC-insured banks, $816M in customer deposits, and $765M in net loans. Capital-wise, the Tier 1 ratio sits at 9.13%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 5.84%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Service Bank sits 24th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$58M
Interest Income
$7M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Service Bank reports a Texas Ratio of 5.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Service Bank (FDIC Cert #18519) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is First Service Bank's health grade?▼
First Service Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Service Bank?▼
First Service Bank holds $921M in total assets and $816M in deposits, ranking 1,123rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenbrier, Arkansas.
Is my money safe at First Service Bank?▼
Yes, deposits at First Service Bank (Certificate #18519) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Service Bank's Tier 1 Capital Ratio?▼
First Service Bank has a Tier 1 Capital Ratio of 9.13%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for First Service Bank?▼
First Service Bank has a Texas Ratio of 5.84%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Service Bank?▼
First Service Bank has an Efficiency Ratio of 68.10%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Service Bank's profile as a depositor or analyst.
- First Service Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Service Bank against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.