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First Western Bank

Booneville, AR · Cert 13083 · First W Bancshares Employee STK Ownership Tr

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Western Bank

Booneville, AR · Cert 13083 · First W Bancshares Employee STK Ownership Tr

State charter, Fed member · FED · 11 branches

Q2 2026

$792.7MAssets
$649.2MLoans
$673.8MDeposits
$69.9MEquity
Loan mix
96%RE $619.1M3%C&I $19.9M1%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $577.3M14%Noninterest $96.5MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.98%Q2 ’255.85%Q2 ’26+4%+5%

Non-interest income vs. expense

3.01%Q2 ’242.93%Q2 ’252.91%Q2 ’26+2%-6%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 2.1% share · #11 of 42 inst. · $0.4B of $20.2B

3.7% Benton
39.1% Logan
1.7% Sebastian
0.3% Washington

Executive Summary

  • Earnings: ROA of 1.11%, up 36 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.76% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.90%, down 9 bps from a year ago.
  • Funding: loans stand at 96.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+18 bps YoY

Efficiency Ratio (YTD, annualized)

67.95%-578 bps YoY

Tier 1 Leverage Ratio

8.90%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.79%0.84%1.10%1.11%+36 bps
Return on Equity8.95%9.27%9.66%12.52%12.56%+361 bps
Net Interest Margin3.49%3.54%3.57%3.77%3.67%+18 bps
Efficiency Ratio73.73%71.25%70.20%66.76%67.95%-578 bps
Non-Interest Burden2.44%2.35%2.34%2.30%2.29%-15 bps
Growth
Asset Growth (YoY)11.96%2.63%2.37%8.20%6.88%-508 bps
Loan Growth (YoY)5.10%3.85%8.84%13.92%13.48%+837 bps
Deposit Growth (YoY)21.03%8.82%1.26%3.23%1.01%-2,002 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.89%0.86%0.78%0.76%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.98%0.99%0.92%0.92%+3 bps
Allowance Coverage of NPLs1.3x1.1x1.2x1.2x1.2x-0.1x
Capital
Tier 1 Leverage Ratio8.99%9.19%9.03%9.00%8.90%-9 bps
Total Risk-Based Capital12.78%13.33%12.77%12.43%12.90%+12 bps
Equity / Assets8.47%9.10%8.94%8.71%8.82%+36 bps
Liquidity & Funding
Loans / Deposits85.77%88.18%92.01%96.97%96.36%+1,059 bps
Liquid Assets / Assets3.56%2.10%1.92%1.44%2.82%-74 bps
CRE / Total Capitaln/a359%379%384%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Western Bank

Booneville, AR · Cert 13083 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First W Bancshares Employee STK Ownership Tr

State charter, Fed member · FED · 11 branches

Q2 2026

$792.7MAssets
$649.2MLoans
$673.8MDeposits
$69.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets operating in a single state (rank 242 of 743).
  • Widest gap: equity / assets trails 77% of banks under $1B in assets operating in a single state (rank 573 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.08%

Rank 361 of 746

Net Interest Margin

3.67%

Rank 378 of 746

Efficiency Ratio

67.95%

Rank 432 of 746

Equity / Assets

8.82%

Rank 573 of 746

Non-interest income vs. expense

$4.9M$23.2MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 67.95%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.72%1.06%1.45%Beats 52%361 / 746
Return on Equity12.26%6.74%10.51%13.63%Beats 65%258 / 746
Net Interest Margin3.67%3.17%3.68%4.16%Beats 49%378 / 746
Efficiency Ratio67.95%55.74%64.58%75.47%Beats 42%432 / 746
Asset Quality
Nonperforming Loans / Loans0.76%0.09%0.42%1.07%Beats 34%490 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 68%242 / 743
Capital
Tier 1 Capital Ratio11.88%11.55%13.75%17.60%Beats 30%520 / 746
Total Risk-Based Capital Ratio12.90%11.71%14.33%18.43%Beats 36%480 / 746
Equity / Assets8.82%8.90%10.51%13.06%Beats 23%573 / 746
Liquidity & Funding
Loans / Deposits96.36%61.31%78.27%90.78%86th pctl104 / 746
Loans / Assets81.91%53.60%66.97%76.08%89th pctl79 / 746
Brokered Deposits / Depositsn/aNot reported for this institution