# FIRST SERVICE BANK
GREENBRIER, AR · FDIC certificate 18519 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.02B | |
| Deposits | $919.2M | |
| Loans and leases | $888.9M | |
| Total equity | $86.8M | |
| Loans / deposits | 95.40% (p75 of band) | 87.10% |
| Liquid assets / assets | 8.62% (p4 of band) | |
| Uninsured deposits / deposits | 38.54% (p69 of band) | 30.76% |
| Brokered deposits | 12.15% | |
| Wholesale funding | 13.06% (p74 of band) | |
| FHLB advances / assets | 0.92% | |
| Tier 1 leverage | 9.06% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -3.72% (p71 of band) | -7.75% |
| AOCI / equity | 0.21% (p88 of band) | |
| ROA (annualized) | 0.87% (p22 of band) | 1.26% |
| Net interest margin | 4.40% (p84 of band) | 3.70% |
| Efficiency ratio | 68.03% (p75 of band) | |
| Noncurrent loans | 0.50% (p49 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 267.38% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 240.57% (p100 of band) | |
| Auto loans | $1.6M (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 23.8% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 1 |  | construction >100% equity |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | brokered >10% |  |
| 2014-03 | 0 |  | uninsured deposits leaving, brokered >10% |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 1 | capital falling | loans exceed deposits |
| 2014-12 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2015-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 4 | brokered >10% |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 4 | construction >100% equity |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | loans exceed deposits, capital falling |  |
| 2016-12 | 4 |  | loans exceed deposits |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2017-09 | 5 | capital falling | reserve under noncurrent |
| 2017-12 | 4 |  | loans exceed deposits |
| 2018-03 | 5 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-06 | 3 |  | brokered >10%, liquid assets <10% |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | brokered >10%, capital falling | wholesale funding >15%, loans exceed deposits |
| 2019-03 | 4 | liquid assets <10%, expense ratio p90 | brokered >10% |
| 2019-06 | 4 | brokered >10%, wholesale funding >15% | liquid assets <10%, expense ratio p90 |
| 2019-09 | 5 | liquid assets <10% |  |
| 2019-12 | 6 | loans exceed deposits |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 4 |  | liquid assets <10%, loans exceed deposits |
| 2020-09 | 4 | liquid assets <10% | capital falling |
| 2020-12 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | brokered >10% |
| 2021-09 | 1 |  |  |
| 2021-12 | 4 | brokered >10%, capital falling, charge-offs p90 |  |
| 2022-03 | 2 |  | capital falling, charge-offs p90 |
| 2022-06 | 1 |  | brokered >10% |
| 2022-09 | 2 | brokered >10% |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 4 | wholesale funding >15% |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 7 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 6 |  | capital falling |
| 2024-09 | 4 |  | liquid assets <10%, noncurrent p90 |
| 2024-12 | 4 | liquid assets <10%, capital falling | wholesale funding >15%, reserve under noncurrent |
| 2025-03 | 2 |  | liquid assets <10%, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | liquid assets <10%, capital falling |  |
| 2025-12 | 3 |  | liquid assets <10% |
| 2026-03 | 3 | liquid assets <10% | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-15 [First Service Bank celebrates the opening of its new Conway branch - 501 LIFE Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYnNqQTNWaEhHd0hBWml2dl9pOVVZMldIcXdCVzR1RFVqRlJjTnJKQ1VIRmxCLVA3ZUhDcWFPYWloS1VwNEFEQzd6bHFMX3FnYjJiM21pS2JHMFh6Z0pxTkgzTHpyZVgtU1JuN1RpLWZ2WXVnWjJ0OFRlY0JFS1lGU0hTX3NFQWRJTjRyZkFJQTFtNnhG?oc=5) · 501 LIFE Magazine
- 2025-12-01 [Hires & Promotions at Baptist Health, First Service Bank, Harrison Energy Partners (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOUHRWZDVIeW8xUV9TRFBOSm4xeWJyQy1DYS1KWFVrcFBpWHR1am1YWGQ0MG5NclVwNllVMUQ5Wnh4RC10dTRXTzQyM0lMeTJzSm9XVEJVT1llLVVDbmM5c0xzT1c3ajJiQjlSMEg3QXl5THFQcGxHWFZLOTVjMzB6d0dKY0dISGhyNG9xNmtTTVFTUmNhU01rdFhjREppRlBaeUFpclpVT0NpOWk4RlBTMGQyaUI5Wm45a3E3Z0VOeEg2NVNBbXV2Q0I3Nm56SmRB?oc=5) · Arkansas Business
- 2022-04-06 [Andy Grumbles Joins Family at First Service Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTFA3b3BJYkxxNmNiVU5CX0kwZm1JaEJpa0MzNXg0b0R2NHg2aXNIWDN4WUREdlhVeTFnWHJDSUlEM0dwODFGUllhWTA0TXdpRFBnNkZWSmJnb2pPS01GTFJHWDAyUWdRTF9OOHVZZmVmbV9TUQ?oc=5) · Arkansas Money &amp; Politics
- 2026-05-10 [501DER WOMAN 2026: Julie Chambers - 501 LIFE Magazine](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9ISllTUVlpdkpHTHJWYjkwVlZ6YV9CeFJaT1BoWnh4Z0lUeVBxcnIzX2JVMVc5OWhfcnc0UDFfR1B2Rlh2V3ZlSDMzZ0xGaEtJT0tfZHQ5ZkFmZ1phenNodUtOdTVTNVk?oc=5) · 501 LIFE Magazine
- 2026-03-16 [Lexicon, Conway Corp., First Financial Bank Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdlVnellPSkt2X0F1ZkVhRk5zUmljb2l1Sjh0Skw0V1JVOE1JcmFvaWtXSklBZTNYYkJVLXh0bHcyT0tyTHlIaHYzMEdwWXFSZ3ExTmp5SUpOM0dxQ2ZHVjAwOHJiYVh4aENaSFBvb0U3VjVOakRSb2VSYWlBQW9ueXVrc0VhOWVUbjU5NWN3Sld5YmtyNEQwTEEzYmtiV1N0ZW1fS2NXcEtrci1S?oc=5) · Arkansas Business
- 2017-08-18 [Conway police seek information after ATM stolen with forklift - KATV](https://news.google.com/rss/articles/CBMiekFVX3lxTE5YQmV1NkVXS3VzVUpZTjhrcGZsVHc5YVlCcnYxX1U2MkpTNkk2dFJUc09vQ0tGM2c5bEhnNEhjcmNtLXg0SkFrQjhvZXhTQ2V0TlFVZ0FSOWRYZWwxdzU2T2N0cml3VmpnMTQ5MzRNUG1Md2Naano0cHR3?oc=5) · KATV
- 2021-04-02 [Former Dermott city employee accused of stealing money from water department, bank - KATV](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUldXRjNrMXN4ZzBnNEpWN0cza0dzdTgxbkdCald0RnloV3B2UjJOSWlNdU5nY0xrdmgtN2xZN29fTzZHSjlDR1JiVHdvbURXNjdyNzYwN1o0YjIzTG1Ea1R1cTUweWNnZWMwWktzaDFTOWdCTzVEUWJUUVJhT2N4ZVVsZUM4b1d2OUZ0M19IWi04S0k3TWtrQ2VLakNCMmt1?oc=5) · KATV
- 2019-09-30 [First Service Bank recognized among ‘top extraordinary banks’ - 501 LIFE Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPVW9jOTRZOHNTeVVwVl9VWFJ1OGxaLWE5aEtFMHZROVNnYzk4M3Vxbjh6SE5mbHgzaFdueDJRaXlIc1pzY1g3a0hqQW9RbzhIVkhqa1VsclJad3FlLTVIek1CUkdmZkh0X3BZMkpELURueEIwLXRKLUh4VUpnY1VsRU9oYk9faEVlcEVn?oc=5) · 501 LIFE Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18519 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "18519", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide