First Western Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 3.3% in Q2 2026 to $54.1M, the biggest move on this page. Within Arkansas, First Western Bank is 26th of 37 on CET1 ratio, 11.88% as of Q2 2026. First Western Bank reported 11.88% on CET1 ratio for Q2 2026, 3.20 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.88% |
| Tier 1 risk-based capital ratio | 11.88% |
| Total risk-based capital ratio | 12.90% |
| Tier 1 leverage ratio | 8.90% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.0M |
| Tier 1 capital | $71.0M |
| Total risk-based capital | $77.1M |
| Total equity capital | $69.9M |
| Risk-weighted assets | $597.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.82% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 10.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $17.5M |
| Retained earnings | $54.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 11.96% | 9.04% | $528.7M |
| Q4 2023 | 11.06% | 11.06% | 12.01% | 9.14% | $534.1M |
| Q1 2024 | 11.84% | 11.84% | 12.84% | 9.17% | $504.6M |
| Q2 2024 | 11.88% | 11.88% | 12.86% | 9.21% | $510.8M |
| Q3 2024 | 11.93% | 11.93% | 12.90% | 9.10% | $515.7M |
| Q4 2024 | 11.77% | 11.77% | 12.70% | 8.85% | $533.4M |
| Q1 2025 | 11.69% | 11.69% | 12.61% | 8.86% | $544.3M |
| Q2 2025 | 11.83% | 11.83% | 12.78% | 8.99% | $550.4M |
| Q3 2025 | 12.30% | 12.30% | 13.33% | 9.19% | $542.6M |
| Q4 2025 | 11.71% | 11.71% | 12.77% | 9.03% | $573.8M |
| Q1 2026 | 11.43% | 11.43% | 12.43% | 9.00% | $606.6M |
| Q2 2026 | 11.88% | 11.88% | 12.90% | 8.90% | $597.8M |
First Western Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13083) · FFIEC NIC profile (RSSD 34742)