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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

$792.7MAssets
$649.2MLoans
$673.8MDeposits
$69.9MEquity
Loan mix
96%RE $619.1M3%C&I $19.9M1%Consumer $4.7MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $577.3M14%Noninterest $96.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.80%0.70%0.75%0.79%0.84%1.10%1.11%+36 bps
Return on Equity8.48%9.24%8.39%8.95%9.27%9.66%12.52%12.56%+361 bps
Net Interest Margin3.30%3.20%3.40%3.49%3.54%3.57%3.77%3.67%+18 bps
Efficiency Ratio75.39%74.25%77.94%73.73%71.25%70.20%66.76%67.95%-578 bps
Non-Interest Burden2.34%2.23%2.55%2.44%2.35%2.34%2.30%2.29%-15 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 / Loans0.12%0.08%0.12%0.70%0.89%0.86%0.78%0.76%+5 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.91%0.89%0.87%0.90%0.98%0.99%0.92%0.92%+3 bps
Allowance Coverage of NPLs7.8x10.8x7.1x1.3x1.1x1.2x1.2x1.2x-0.1x
Capital
Tier 1 Leverage Ratio9.10%8.85%8.86%8.99%9.19%9.03%9.00%8.90%-9 bps
Total Risk-Based Capital12.90%12.70%12.61%12.78%13.33%12.77%12.43%12.90%+12 bps
Equity / Assets8.56%8.27%8.47%8.47%9.10%8.94%8.71%8.82%+36 bps
Liquidity & Funding
Loans / Deposits92.40%85.60%87.87%85.77%88.18%92.01%96.97%96.36%+1,059 bps
Liquid Assets / Assets2.43%2.43%2.99%3.56%2.10%1.92%1.44%2.82%-74 bps
CRE / Total Capitaln/an/an/an/a359%379%384%n/an/a