First Service Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Service Bank (FDIC Cert #18519) at 78/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The combination of a severe reading and a compact footprint is what makes First Service Bank worth watching as a supply signal. The value is in the linkage: First Service Bank's severe reading is mapped onto 103 ZIP codes and 7 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Service Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. First Service Bank runs a compact, single-state real-estate lending footprint — 7 U.S. counties across 1 state, spanning 103 ZIP codes. It concentrates most in Arkansas (7 counties). County by county, that footprint includes Pulaski County, AR, Marion County, AR, Stone County, AR, Faulkner County, AR, among others DLRadar tracks parcel by parcel. First Service Bank is held under First Service Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. No bank is too small to score the same way: First Service Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 7-county, 103-ZIP profile means exactly what it would for any institution nationwide.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Service Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.