First Western Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 21.01 percentage points lower than in Q1 2026, at 279.34%. Within Arkansas, First Western Bank is 17th of 78 on loan-to-deposit ratio, 96.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Western Bank sits 15.81 points higher, at 96.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $649.2M |
| Net loans and leases | $643.2M |
| Loans held for sale | $3.4M |
| Loans to total assets | 81.91% |
| Loan-to-deposit ratio | 96.36% |
| Net loans to equity capital | 9.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.11% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 2.73% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 10.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.34% |
| Construction concentration (Tier 1 capital + allowance) | 159.41% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.83% |
| Interest income on loans | $11.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $522.6M | $546.5M | 15.62% | 3.18% | 0.73% |
| Q4 2023 | $525.4M | $560.3M | 15.57% | 3.10% | 0.65% |
| Q1 2024 | $537.0M | $558.3M | 15.27% | 3.10% | 0.61% |
| Q2 2024 | $544.4M | $551.1M | 15.26% | 2.98% | 0.60% |
| Q3 2024 | $546.7M | $591.6M | 15.52% | 3.15% | 0.56% |
| Q4 2024 | $555.8M | $649.3M | 16.68% | 2.69% | 0.57% |
| Q1 2025 | $569.6M | $648.2M | 18.56% | 2.81% | 0.52% |
| Q2 2025 | $572.1M | $667.0M | 18.10% | 3.67% | 0.59% |
| Q3 2025 | $567.7M | $643.8M | 18.65% | 3.25% | 0.62% |
| Q4 2025 | $604.9M | $657.5M | 18.15% | 3.31% | 0.69% |
| Q1 2026 | $648.9M | $669.2M | 18.59% | 3.07% | 0.72% |
| Q2 2026 | $649.2M | $673.8M | 18.11% | 2.73% | 0.65% |
First Western Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank, freeSource: Call Report Schedule RC-C, 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)