Booneville, AR · Cert 13083 · First W Bancshares Employee STK Ownership Tr
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 2.1% share · #11 of 42 inst. · $0.4B of $20.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.79% | 0.84% | 1.10% | 1.11% | +36 bps | |
| Return on Equity | 8.95% | 9.27% | 9.66% | 12.52% | 12.56% | +361 bps | |
| Net Interest Margin | 3.49% | 3.54% | 3.57% | 3.77% | 3.67% | +18 bps | |
| Efficiency Ratio | 73.73% | 71.25% | 70.20% | 66.76% | 67.95% | -578 bps | |
| Non-Interest Burden | 2.44% | 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 / Loans | 0.70% | 0.89% | 0.86% | 0.78% | 0.76% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.98% | 0.99% | 0.92% | 0.92% | +3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.2x | 1.2x | 1.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.99% | 9.19% | 9.03% | 9.00% | 8.90% | -9 bps | |
| Total Risk-Based Capital | 12.78% | 13.33% | 12.77% | 12.43% | 12.90% | +12 bps | |
| Equity / Assets | 8.47% | 9.10% | 8.94% | 8.71% | 8.82% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.77% | 88.18% | 92.01% | 96.97% | 96.36% | +1,059 bps | |
| Liquid Assets / Assets | 3.56% | 2.10% | 1.92% | 1.44% | 2.82% | -74 bps | |
| CRE / Total Capital | n/a | 359% | 379% | 384% | n/a | n/a | |