BlastPoint's Banking Scorecard

First Western Bank

$100M-$1B Specialty: Commercial AR FDIC cert 13083

Booneville, AR

11 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +1.0% year over year ($673.8M on the books).
Delinquency rate 0.76%.
Return on assets 1.11%.
Efficiency ratio 67.95% vs a 64.48% peer average.
Loan-to-deposit ratio 95.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

First Western Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.07% above tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 33.3% in tier
- ROA 0.21% below tier average
- Efficiency Ratio 3.48% above tier average

Get updates when First Western Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$792.7M +6.9% YoY +0.9% QoQ	+$406.1M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Top 8.4% in tier
Total Loans ?	$643.2M +13.4% YoY +0.1% QoQ	+$384.9M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 4.3% in tier
Total Deposits ?	$673.8M +1.0% YoY +0.7% QoQ	+$347.0M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Top 8.3% in tier
Return on Assets ?	1.11% +47.3% YoY +0.3% QoQ	-0.21%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	4.06% +9.2% YoY -0.5% QoQ	+0.07%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	67.95% -7.8% YoY +1.8% QoQ	+3.48%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.76% +7.8% YoY -3.3% QoQ	-0.15%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	95.47% +12.3% YoY -0.6% QoQ	+17.52%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	14.32% +2.4% YoY -0.7% QoQ	-7.71%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.67% +22.8% YoY -3.9% QoQ	+0.00%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	11.88% +0.4% YoY +4.0% QoQ	-4.02%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.31% +30.4% YoY +93.8% QoQ	-0.26%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	14.3% +0.3pp YoY -0.1pp QoQ	-7.8pp	22.1%	19.6%	22.2%	21%
Brokered Deposits	7.0% +2.8pp YoY -0.1pp QoQ	-0.8pp	7.9%	7.2%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	2.8% -0.9pp YoY -0.3pp QoQ	-8.8pp	11.6%	12.7%	12.5%	9%
CRE	39.6% -3.2pp YoY -1.8pp QoQ	+0.1pp	39.5%	41.0%	41.4%	52%
1-4 Family	46.4% +4.2pp YoY +2.7pp QoQ	+13.8pp	32.6%	28.1%	31.3%	79%
Consumer	0.7% +0.1pp YoY -0.1pp QoQ	-3.5pp	4.1%	4.5%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	11.9% +0.1pp YoY +0.5pp QoQ	-6.9pp	18.8%	15.1%	19.7%	16%
Leverage Ratio	8.9% -0.1pp YoY -0.1pp QoQ	-3.3pp	12.2%	11.9%	12.6%	11%
Total Capital Ratio	12.9% +0.1pp YoY +0.5pp QoQ	-7.0pp	19.9%	16.3%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	104 +7 (+7.2%) YoY +5 (+5.1%) QoQ	+45	58	315	482	88%
Assets per Employee ($)	$7.6M -0.3% YoY -4.0% QoQ	+$104K	$7.5M	$6.7M	$8.8M	63%
Branch Count	11 0 YoY 0 QoQ	+6	4	25	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.8% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.9%	1.1%	1.0%	65%
Allowance Coverage	1.22x -4.6% YoY +3.3% QoQ	-22.93x	24.15x	4.69x	20.23x	33%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	12.6% +3.6pp YoY 0.0pp QoQ	+0.4pp	12.2%	12.3%	11.6%	53%
Cost of Funds (YTD)	2.4% -0.3pp YoY +0.1pp QoQ	+0.7pp	1.7%	2.0%	1.7%	88%
Net Income ($, YTD)	$4.3M +55.9% YoY — QoQ	+$1.7M	$2.6M	$16.0M	$40.4M	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#419 of 1256 • Bottom 33.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.76%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

114

Total Loans

size

Value: $643.24M

Peer Median: $258.35M

#114 of 2643 Top 4.3% in $100M-$1B

220

Total Deposits

size

Value: $673.75M

Peer Median: $326.73M

#220 of 2643 Top 8.3% in $100M-$1B

223

Total Assets

size

Value: $792.66M

Peer Median: $386.57M

#223 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (2 metrics)

2232

Loan-to-Deposit Ratio

liquidity

Value: 95.47%

Peer Median: 77.95%

#2232 of 2643 Bottom 15.6% in $100M-$1B

2074

Non-Interest-Bearing Deposit Share

funding

Value: 14.32%

Peer Median: 22.03%

#2074 of 2643 Bottom 21.6% in $100M-$1B