BlastPoint's Banking Scorecard
First Service Bank
Designations: ✓ Community bank
Greenbrier, AR
11 branches across AR
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +23.8% year over year ($919.2M on the books).
- Delinquency rate 0.51%.
- Return on assets 0.87%.
- Efficiency ratio 68.03% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.40% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Service Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 6.5% in tier
- - ROA 0.52% below tier average
- - Efficiency Ratio 8.31% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+22.3% YoY
+5.2% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.9% in tier |
| Total Loans ? |
$876.9M
+26.3% YoY
+4.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$919.2M
+23.8% YoY
+4.5% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.4% in tier |
| Return on Assets ? |
0.87%
-6.6% YoY
-3.8% QoQ
|
-0.52% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.40%
-0.9% YoY
-1.3% QoQ
|
+0.53% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
68.03%
+1.2% YoY
+1.0% QoQ
|
+8.31% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.51%
-31.8% YoY
-4.1% QoQ
|
-0.36% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
95.40%
+2.0% YoY
+0.3% QoQ
|
+10.37% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
9.88%
-31.3% YoY
-3.5% QoQ
|
-11.40% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.3% in tier |
| Nonperforming Asset Ratio ? |
0.53%
-29.6% YoY
-6.3% QoQ
|
-0.15% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.06%
-3.2% YoY
-1.6% QoQ
|
-5.78% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.6% in tier |
| Non-Interest Income / Assets ? |
0.28%
-16.9% YoY
+90.9% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.9%
-4.5pp YoY -0.4pp QoQ |
-11.5pp | 21.4% | 19.6% | 22.2% | 10% |
| Brokered Deposits |
13.5%
+1.1pp YoY -0.4pp QoQ |
+4.1pp | 9.5% | 7.2% | 8.5% | 78% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.8pp YoY -1.2pp QoQ |
-5.9pp | 14.0% | 12.7% | 12.5% | 34% |
| CRE |
52.6%
-1.4pp YoY -0.3pp QoQ |
+2.6pp | 50.0% | 41.0% | 41.4% | 59% |
| 1-4 Family |
19.2%
+0.1pp YoY +0.2pp QoQ |
-7.2pp | 26.4% | 28.1% | 31.3% | 40% |
| Consumer |
0.6%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.7% | 4.5% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
9.1%
-0.3pp YoY -0.1pp QoQ |
-2.3pp | 11.3% | 11.9% | 12.6% | 13% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
156
+22 (+16.4%) YoY +8 (+5.4%) QoQ |
-158 | 313 | 315 | 482 | 24% |
| Assets per Employee ($) |
$6.6M
+5.0% YoY -0.2% QoQ |
-$3.9M | $10.5M | $6.7M | $8.8M | 19% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 25 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.1% | 1.0% | 50% |
| Allowance Coverage |
2.67x
+43.2% YoY +4.4% QoQ |
-16.04x | 18.71x | 4.69x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
-0.3pp YoY -0.4pp QoQ |
-2.3pp | 12.6% | 12.3% | 11.6% | 36% |
| Cost of Funds (YTD) |
3.0%
-0.1pp YoY 0.0pp QoQ |
+1.0pp | 1.9% | 2.0% | 1.7% | 95% |
| Net Income ($, YTD) |
$4.2M
+14.5% YoY — QoQ |
-$15.0M | $19.2M | $16.0M | $40.4M | 8% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.