First Western Bank
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Data as of · sourced from FFIEC call reports. How we update
First Western Bank is an FDIC-insured commercial bank headquartered in Booneville, AR, established in 1910 (FDIC certificate 13083), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $792.7M, up 6.9% from Q2 2025, the 29th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13083
- Headquarters
- Booneville, AR
- Established
- 1910
- Total assets, Q2 2026
- $792.7M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 11.88%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 082901952
- Latest call report
- Q2 2026, FFIEC 051 · First Western Bank call report
- Holding company
- FIRST WESTERN BANCSHARES, INC.
- Asset rank in state
- 29th of 78 in Arkansas
First Western Bank leans heavily on commercial real estate. The Booneville, Arkansas bank had $793 million in assets at June 30, 2026, up 6.9% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 8.90% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.2 million, 48% above the same quarter a year earlier. Over the same year, loans grew 13.5% and deposits grew 1.0%. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First Western Bank reported a CET1 capital ratio of 11.88%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 7.00%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, First Western Bank is the 29th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $792.7M, loans rose 0.1% and deposits rose 0.7%. 1-4 family residential loans made up 46.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 18.9%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in AR; its Rogers 3 offices book 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Western Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 80 W Main St, Booneville, AR 72927
- County
- Logan
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 18, 1910
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $673.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $798.9M
- Average total loans
- $646.2M
- Average interest-bearing deposits
- $570.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13083
- Fed RSSD
- 34742
- Website
- http://www.fwbank.com →
- Parent Holding Company
- FIRST WESTERN BANCSHARES, INC. (RSSD 1100091)
- Ultimate Parent
- RSSD 2628994
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Western Bank's total assets ranged from $638.3M (Q3 2023) to $792.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$792.7M total assets against $741.6M; $722.7M total liabilities against $678.8M.
$643.2M net loans and leases against $567.0M; $673.8M total deposits against $667.0M.
$75.1M securities against $80.0M; $24.8M cash and balances due against $50.0M.
$11.9M total interest income against $11.1M; $4.5M total interest expense against $4.6M.
$7.4M net interest income against $6.5M.
$1.2M total noninterest income against $926K; $5.9M total noninterest expense against $5.2M.
$0 provision for credit losses against $200K.
$2.2M net income against $1.5M.
1.09% return on assets against 0.81%; 3.97% net interest margin against 3.83%.
11.88% CET1 capital ratio against 11.83%; 8.90% tier 1 leverage ratio against 8.99%.
Inside the full First Western Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Western Bank rankings
Its closest position to the top of a national ranking is 948 of 3,640, for Texas Ratio; its furthest is 1,748 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q1 2025) to 1.09% (Q1 2026) and its net interest margin ran from 3.60% (Q4 2024) to 4.23% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.88% | 1.09% | 0.76% | 7.00% | 3.97% |
| Q1 2026 | 11.43% | 1.09% | 0.78% | 7.37% | 4.07% |
| Q4 2025 | 11.71% | 0.95% | 0.86% | 7.76% | 4.23% |
| Q3 2025 | 12.30% | 0.88% | 0.89% | 7.20% | 3.93% |
| Q2 2025 | 11.83% | 0.81% | 0.70% | 5.97% | 3.83% |
| Q1 2025 | 11.69% | 0.71% | 0.12% | 1.06% | 3.65% |
| Q4 2024 | 11.77% | 0.96% | 0.08% | 0.71% | 3.60% |
| Q3 2024 | 11.93% | 0.76% | 0.12% | 0.98% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Downtown West Walnut Branch | Rogers , AR | 72756 | $213.5M |
| First Western Bank (main office) | Booneville , AR | 72927 | $116.9M |
| Pinnacle Hills Branch | Rogers , AR | 72758 | $85.7M |
| Fort Smith Branch | Fort Smith , AR | 72903 | $68.5M |
| Bentonville Branch | Bentonville , AR | 72712 | $53.2M |
| Bella Vista Branch | Bella Vista , AR | 72714 | $39.1M |
| Caulksville-Ratcliff Branch | Caulksville , AR | 72951 | $36.6M |
| Springdale Branch | Springdale , AR | 72762 | $23.6M |
| Magazine Branch | Magazine , AR | 72943 | $22.7M |
| East Branch | Booneville , AR | 72927 | $13.9M |
| West Walnut Street Branch | Rogers , AR | 72756 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 31, 2000 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 45 against individuals associated with it
- December 15, 1995, Federal Reserve: Written Agreement: First Western Bank, Cooper City, FL
- Period: Most recent institution action December 15, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in AR, rank 32 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 147 applications, 140 loans originated, $64.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $180K approved, $180K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Western Bank
What are First Western Bank's total assets?
As of the Q2 2026 filing, First Western Bank reported total assets of $792.7 million in its FFIEC call report.
Where is First Western Bank headquartered?
It is headquartered in Booneville, AR, United States.
When was First Western Bank founded?
It was established in 1910, per the FDIC institution directory.
Is First Western Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Western Bank?
First Western Bank's primary federal regulator is the Federal Reserve.
What is First Western Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Western Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Western Bank's Texas Ratio?
Its Texas Ratio is 7.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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