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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.96% | 0.70% | 0.80% | 0.87% | 0.97% | 1.10% | 1.10% | +30 bps | |
| Return on Equity | 8.69% | 11.39% | 8.39% | 9.49% | 9.94% | 10.70% | 12.52% | 12.58% | +309 bps | |
| Net Interest Margin | 3.39% | 3.36% | 3.40% | 3.60% | 3.68% | 3.93% | 3.77% | 3.69% | +9 bps | |
| Efficiency Ratio | 73.74% | 71.02% | 77.94% | 69.81% | 66.86% | 67.36% | 66.76% | 69.14% | -67 bps | |
| Non-Interest Burden | 2.35% | 2.22% | 2.55% | 2.36% | 2.19% | 2.46% | 2.30% | 2.37% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 12.20% | 11.74% | 11.96% | 2.63% | 2.37% | 8.20% | 6.88% | -508 bps | |
| Loan Growth (YoY) | 4.61% | 5.78% | 6.06% | 5.10% | 3.85% | 8.84% | 13.92% | 13.48% | +837 bps | |
| Deposit Growth (YoY) | 8.26% | 15.89% | 16.10% | 21.03% | 8.82% | 1.26% | 3.23% | 1.01% | -2,002 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.08% | 0.12% | 0.70% | 0.89% | 0.86% | 0.78% | 0.76% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.91% | 0.89% | 0.87% | 0.90% | 0.98% | 0.99% | 0.92% | 0.92% | +3 bps | |
| Allowance Coverage of NPLs | 7.8x | 10.8x | 7.1x | 1.3x | 1.1x | 1.2x | 1.2x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 8.85% | 8.86% | 8.99% | 9.19% | 9.03% | 9.00% | 8.90% | -9 bps | |
| Total Risk-Based Capital | 12.90% | 12.70% | 12.61% | 12.78% | 13.33% | 12.77% | 12.43% | 12.90% | +12 bps | |
| Equity / Assets | 8.56% | 8.27% | 8.47% | 8.47% | 9.10% | 8.94% | 8.71% | 8.82% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.40% | 85.60% | 87.87% | 85.77% | 88.18% | 92.01% | 96.97% | 96.36% | +1,059 bps | |
| Liquid Assets / Assets | 2.43% | 2.43% | 2.99% | 3.56% | 2.10% | 1.92% | 1.44% | 2.82% | -74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 379% | 384% | n/a | n/a | |