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

Unfavorable gap of $18.3M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.08%	0.72%	1.06%	1.45%	Beats 52%	361 / 746
Return on Equity	12.26%	6.74%	10.51%	13.63%	Beats 65%	258 / 746
Net Interest Margin	3.67%	3.17%	3.68%	4.16%	Beats 49%	378 / 746
Efficiency Ratio	67.95%	55.74%	64.58%	75.47%	Beats 42%	432 / 746
Asset Quality
Nonperforming Loans / Loans	0.76%	0.09%	0.42%	1.07%	Beats 34%	490 / 743
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 68%	242 / 743
Capital
Tier 1 Capital Ratio	11.88%	11.55%	13.75%	17.60%	Beats 30%	520 / 746
Total Risk-Based Capital Ratio	12.90%	11.71%	14.33%	18.43%	Beats 36%	480 / 746
Equity / Assets	8.82%	8.90%	10.51%	13.06%	Beats 23%	573 / 746
Liquidity & Funding
Loans / Deposits	96.36%	61.31%	78.27%	90.78%	86th pctl	104 / 746
Loans / Assets	81.91%	53.60%	66.97%	76.08%	89th pctl	79 / 746
Brokered Deposits / Deposits	n/a	Not reported for this institution