BlastPoint's Banking Scorecard
First Western Bank
Community
Specialty: Commercial
AR
FDIC cert 13083
Booneville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First Western Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$742.8M
+2.4% YoY
+3.0% QoQ
|
-$648.7M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$598.9M
+8.7% YoY
+6.5% QoQ
|
-$376.5M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$657.5M
+1.3% YoY
+2.1% QoQ
|
-$507.1M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.84%
+4.8% YoY
+5.1% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.91%
+7.6% YoY
+3.0% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
70.20%
-5.4% YoY
-1.5% QoQ
|
+7.57% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.87%
+956.3% YoY
-3.7% QoQ
|
+0.24% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
91.10%
+7.4% YoY
+4.3% QoQ
|
+8.04% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
14.16%
+10.8% YoY
+0.7% QoQ
|
-6.89% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.75%
+6.5% QoQ
|
+0.25% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.71%
-0.5% YoY
-4.7% QoQ
|
+1.47% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.57%
+3.0% YoY
+28.3% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#166 of 513 · Bottom 32% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.10%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $598.9M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $657.5M · Tier avg: $1.2B
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
31
31th pctile
Total Assets
Current: $742.8M · Tier avg: $1.4B
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
27
27th pctile
Efficiency Ratio
Current: 70.20% · Tier avg: 62.63%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.16% · Tier avg: 21.05%
Top Weaknesses
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.16% · Tier avg: 21.05%
27
27th pctile
Efficiency Ratio
Current: 70.20% · Tier avg: 62.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
31
31th pctile
Total Assets
Current: $742.8M · Tier avg: $1.4B
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
33
33th pctile
Total Deposits
Current: $657.5M · Tier avg: $1.2B
41
41th pctile
Total Loans
Current: $598.9M · Tier avg: $975.5M
44
44th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 10.24%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%