BlastPoint's Banking Scorecard

First Western Bank

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

Booneville, AR

11 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

First Western Bank has 2 strengths but faces 2 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 0.15% above tier average
+ Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Efficiency Ratio 1.48% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$785.6M +8.2% YoY +5.8% QoQ	+$399.5M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	Top 8.7% in tier
Total Loans ?	$642.9M +13.9% YoY +7.3% QoQ	+$387.2M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	Top 4.4% in tier
Total Deposits ?	$669.2M +3.2% YoY +1.8% QoQ	+$341.2M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	Top 8.8% in tier
Return on Assets ?	1.10% +57.2% YoY +32.1% QoQ	-0.17%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	4.08% +12.6% YoY +4.2% QoQ	+0.15%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	66.76% -14.3% YoY -4.9% QoQ	+1.48%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.79% +542.4% YoY -9.2% QoQ	-0.10%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	96.07% +10.3% YoY +5.5% QoQ	+19.44%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	14.41% +8.0% YoY +1.8% QoQ	-7.61%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.69% +623.5% YoY -7.7% QoQ	+0.05%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	11.43% -2.3% YoY -2.4% QoQ	-4.40%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.16% +39.2% YoY -71.9% QoQ	-0.12%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	77%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

118

Total Loans

size

Value: $642.88M

Peer Median: $255.72M

#118 of 2664 Top 4.4% in $100M-$1B

233

Total Assets

size

Value: $785.60M

Peer Median: $386.08M

#233 of 2664 Top 8.7% in $100M-$1B

236

Total Deposits

size

Value: $669.15M

Peer Median: $327.97M

#236 of 2664 Top 8.8% in $100M-$1B

624

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#624 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (2 metrics)

2295

Loan-to-Deposit Ratio

liquidity

Value: 96.07%

Peer Median: 76.64%

#2295 of 2664 Bottom 13.9% in $100M-$1B

2081

Non-Interest-Bearing Deposit Share

funding

Value: 14.41%

Peer Median: 22.02%

#2081 of 2664 Bottom 21.9% in $100M-$1B