First Service Bank (FDIC #18519): Bank Stress & Real-Estate Credit Exposure
First Service Bank (FDIC Cert #18519): bank stress 78/100, severe, STABLE over 7 days; parent FIRST SERVICE BANCSHARES INC.
First Service Bank (#18519) lends in 7 counties across 1 state; First Service Bank (#18519) reaches 103 ZIP codes: Arkansas 7 counties, 103 ZIPs.
First Service Bank (#18519) largest markets: Pulaski County, AR (72 branches, 36 ZIPs) (#18519), Marion County, AR (34 branches, 17 ZIPs) (#18519), Stone County, AR (16 branches, 16 ZIPs) (#18519), Faulkner County, AR (45 branches, 15 ZIPs) (#18519), Saline County, AR (14 branches, 14 ZIPs) (#18519), Van Buren County, AR (14 branches, 14 ZIPs) (#18519).
First Service Bank (#18519) reports $1.02 billion in total assets; First Service Bank (#18519) equity $86.8 million (8.5% of First Service Bank (#18519) assets); First Service Bank (#18519) domestic deposits $919.2 million; First Service Bank (#18519) net income $4.2 million; First Service Bank (#18519) return on assets 0.87%; First Service Bank (#18519) return on equity 10.27%; First Service Bank (#18519) net interest income $20.0 million; First Service Bank (#18519) call report June 30, 2026.
First Service Bank (#18519) noncurrent real-estate loans: none reported; First Service Bank (#18519) net charge-offs on real estate 0.24%; First Service Bank (#18519) residential charge-offs 0.35%.
First Service Bank (#18519) net interest margin 4.40% against an eight-quarter First Service Bank (#18519) average of 4.30% (First Service Bank (#18519) compression -0.10 points); First Service Bank (#18519) non-residential real estate 35.0% of equity; First Service Bank (#18519) rate-exposure score 40/100, First Service Bank (#18519) fixed-rate trap 40/100; First Service Bank (#18519) risk type credit driven; First Service Bank (#18519) rate regime rates elevated, First Service Bank (#18519) snapshot October 19, 2026.
First Service Bank (#18519) stress score moved from 76.2 on June 22, 2026 to 78.5 on October 19, 2026; First Service Bank (#18519) ranged 76.2 to 78.5 over 116 snapshots.
First Service Bank (#18519) alerts: 7 counties; top First Service Bank (#18519) alert scores: Benton County, AR 43 (moderate); Clinton County, AR 25 (low); Dermott County, AR 25 (low); Greenbrier County, AR 25 (low); Maumelle County, AR 25 (low).