First Western Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.89 percentage points higher than in Q1 2026, at 121.85%. Within Arkansas, First Western Bank is 56th of 78 on return on assets, 1.09% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Western Bank sits 0.17 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.88% |
| Tier 1 risk-based capital ratio | 11.88% |
| Total risk-based capital ratio | 12.90% |
| Tier 1 leverage ratio | 8.90% |
| Equity capital to assets | 8.82% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 7.00% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 121.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 12.58% |
| Net interest margin | 3.97% |
| Efficiency ratio | 68.92% |
| Yield on earning assets | 6.40% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.36% |
| Core deposits to total deposits | 77.67% |
| Brokered deposits to total deposits | 7.02% |
| Deposits to assets | 85.00% |
| Securities to assets | 9.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 11.96% | 9.04% | 0.91% |
| Q4 2023 | 11.06% | 11.06% | 12.01% | 9.14% | 0.78% |
| Q1 2024 | 11.84% | 11.84% | 12.84% | 9.17% | 0.66% |
| Q2 2024 | 11.88% | 11.88% | 12.86% | 9.21% | 0.81% |
| Q3 2024 | 11.93% | 11.93% | 12.90% | 9.10% | 0.76% |
| Q4 2024 | 11.77% | 11.77% | 12.70% | 8.85% | 0.96% |
| Q1 2025 | 11.69% | 11.69% | 12.61% | 8.86% | 0.71% |
| Q2 2025 | 11.83% | 11.83% | 12.78% | 8.99% | 0.81% |
| Q3 2025 | 12.30% | 12.30% | 13.33% | 9.19% | 0.88% |
| Q4 2025 | 11.71% | 11.71% | 12.77% | 9.03% | 0.95% |
| Q1 2026 | 11.43% | 11.43% | 12.43% | 9.00% | 1.09% |
| Q2 2026 | 11.88% | 11.88% | 12.90% | 8.90% | 1.09% |
First Western Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)