BlastPoint's Banking Scorecard
First Service Bank
Greenbrier, AR
11 branches across AR
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 16.2% in tier
- - ROA 0.37% below tier average
- - Efficiency Ratio 2.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$972.0M
+21.6% YoY
+5.5% QoQ
|
+$585.9M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
Top 0.9% in tier |
| Total Loans ? |
$836.5M
+26.6% YoY
+9.4% QoQ
|
+$580.8M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Top 0.1% in tier |
| Total Deposits ? |
$879.7M
+21.7% YoY
+7.8% QoQ
|
+$551.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Top 0.1% in tier |
| Return on Assets ? |
0.90%
+32.5% YoY
-5.0% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
4.46%
+2.7% YoY
+1.0% QoQ
|
+0.53% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
67.39%
-7.7% YoY
-1.0% QoQ
|
+2.10% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.53%
-40.0% YoY
-20.4% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
95.09%
+4.1% YoY
+1.4% QoQ
|
+18.45% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
10.23%
-25.5% YoY
-7.1% QoQ
|
-11.79% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.56%
-37.2% YoY
-1.8% QoQ
|
-0.07% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
9.20%
-4.8% YoY
+0.8% QoQ
|
-6.63% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.8% in tier |
| Non-Interest Income / Assets ? |
0.15%
+33.4% YoY
-79.4% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
72% |
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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.