# FIRST WESTERN BANK
BOONEVILLE, AR · FDIC certificate 13083 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $792.7M | |
| Deposits | $673.8M | |
| Loans and leases | $649.2M | |
| Total equity | $69.9M | |
| Loans / deposits | 95.47% (p82 of band) | 82.04% |
| Liquid assets / assets | 12.60% (p10 of band) | |
| Uninsured deposits / deposits | 26.36% (p52 of band) | 25.97% |
| Brokered deposits | 5.97% | |
| Wholesale funding | 11.14% (p80 of band) | |
| FHLB advances / assets | 3.78% | |
| Tier 1 leverage | 8.90% (p12 of band) | 10.81% |
| Unrealized securities loss / equity | -4.52% (p65 of band) | -8.10% |
| AOCI / equity | -0.41% (p46 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 4.06% (p58 of band) | 3.91% |
| Efficiency ratio | 67.95% (p68 of band) | |
| Noncurrent loans | 0.76% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 121.85% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 175.61% (p98 of band) | |
| Auto loans | $1.1M (0.18% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | liquid assets <10%, uninsured deposits leaving |  |
| 2014-09 | 2 |  | capital falling, liquid assets <10% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | liquid assets <10%, capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 2 |  | liquid assets <10% |
| 2016-12 | 2 | liquid assets <10% | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 | reserve under noncurrent | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | capital falling | reserve under noncurrent |
| 2018-06 | 1 |  | liquid assets <10%, capital falling |
| 2018-09 | 2 | liquid assets <10% |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 3 | liquid assets <10%, capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-09-21 [First Western Bank planning operations center expansion in Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTHRMZV91bkQ0X1hPSHk1Y2llTVp3bDhIRW9HYWk0TzRLdUg3NXd5aVdhZ3V5LTJkeG5hUW4tUVF5dkdjSjFhWXRaSW04Rl9rRW9rUjR2Umt6WGxMSkhVNnFhUnlOUXNYenAwUEpJb1JXUnFCZnlyeDF6bzNmcmVrUXJiOG4zRDE4dU1nX3NIUzBxeTI4REQ3cTMybmo2eS0t?oc=5) · Talk Business &amp; Politics
- 2021-10-18 [Banking CFO: Jonathan McNair, First Western Bank - Arkansas Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWTFTdFpoQlpyei1EaGpTUUp5bXE2YnB4YlNsSlA0STdWUXcwRnRNOURPX2NpZlZBa01aWlgtY3lhMlhSUGJ3ZkVvdjhXWlJJRU51YzlmV1RFdk5lYlhnYjUyQXdtd3d0XzBYV1JvX1p3WWcxd05PN3B5bUZWRUNnWWVOTHdGR2JDXzJSRU0xalUwUQ?oc=5) · Arkansas Business
- 2025-02-21 [UA Little Rock Announces New Members of Alumni Board of Directors - ualr.edu](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9ZTkg1Z21ZNjRTUjdjRmZ1OW1TSlM2MTRJb1otVER0T29PcnAzRzdEMWVEcDMyM042bmExYlNuTGRpcjg5WjVyWUowbFh0UzJyckFoYUV4NUsydw?oc=5) · ualr.edu
- 2025-01-21 [First Western Bank names Willie Cowgur as Bentonville market president - Talk Business & Politics](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZnpUQmd4Z3dmLVpDYmNfemx4cmk0OWtxa01TX0dxLTU3SDFid3RaMGxDYWk5ajlqY0ptOWdZMmN5eTNEUUdOUW1qUnpOWnh2VmRSUWNWa0ZrRXNtaDJFX08tNncwQkhFREM1TFV4TXJUYlJhSzBXczNqcGFVdTdiNnpnZklWTnBvUlV1RlkyYjFvOFVkTTZWQjNwSmpVTUVhM3hsaHlKaw?oc=5) · Talk Business &amp; Politics
- 2022-06-26 [Then & Now: Tor Faulk synonymous with First Western Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMikAFBVV95cUxOajRlYjhYNThsZGdqV0FYaHVid2xLQ3J1Q3ZhNGJWcFp0ZmFIMUYwblFVeXhTTWtaZkNNSzRMNUtjbzB5Q3VhbHZjS3QtaGJBR3JLQ0ZPVHN2eW1sVmkyZ0ZENE83ZWFyZ0p6dzRldU81R05SQjZTdFNxbTE1WE5Xdk4wY281VldjOXZKRXZwZVY?oc=5) · Talk Business &amp; Politics
- 2017-11-22 [Bank awarded $2.1M from state senator, wife - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQmxPMll4bDZYb0ZXMFgxMk9NY3VIVVBQcEhidXVzcHZnbnNKaFMycC1qYjRQcE1IbkxDT1JnVnlEUl9tdE5lc3lldjBpTHhRMHJ4Y0ZSWXZGbnZFYXRaWGo2ZGZiaE9NNFJOeXYwdUtxczJyUk92V05DdEc0eWpTME1DS1l4WHpja3NDaEdnWGxmZw?oc=5) · The Arkansas Democrat-Gazette
- 2017-09-12 [Contractors added to Files' foreclosure lawsuit - Southwest Times Record](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZ2dpOWt6alkzUkdmU1B1bkJQWUpNWEkzUnJUMS1oTUw0Wjl1akZZVW1sbjJhNjVnUHFOaXJsMlJUTldONHR3N0NVaC1qQTNZOHhkb003VlVka2RNLVpYUTNjTUVKU1lQNDVLR182UXdkbkFtTTc2RlFSWmpxdk9Td1k1MXhIbHVPb2drUWxxdGlVMmVoVktBYjZrRWJaVmgxX3lqSXlWOA?oc=5) · Southwest Times Record
- 2025-02-17 [Anstaff Bank, UAMS, Arkansas Spine & Pain Announce Leadership Changes (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNnNPY3dZQS1pemU4Q0xjQ24tV0YybkloZTF3bVN0dmoxSmw0Y3UwQ3NOUHFiQXFIRnpBMkFFZWNyMk9NeFh0d01TeUtpQnA5MldVX2xiTlJmZWVoMGhVcEFkd0YzRDZzS1RIeWFDWlZTNlNNWFRHLXdFcXZkaldSaWRkLVBiUzBtWTdEaHE4ckRlUXN5WXhUNFZqZ3dQdXMtU0xCUzRzVFV5eHRESlAxb2tGaDI5Nm5CMmJjUjRkSQ?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13083 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "13083", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide