TellerScore

Headquartered in Booneville, Arkansas, First Western Bank is a state-chartered bank (fed member) with $792.7M in total assets and $673.8M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1910.

First Western Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 63rd. Problem-loan coverage contributes the most (86/100, 6.9%); capital cushion contributes the least (39/100, 8.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.90%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.76%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 95.5% · 26.4% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 60).

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202564
Q2 202559
Q3 202558
Q4 202557
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%7.10%9.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.10%
Q4 20248.85%
Q1 20258.86%
Q2 20258.99%
Q3 20259.19%
Q4 20259.03%
Q1 20269.00%
Q2 20268.90%
Noncurrent loans
0.08%0.49%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.12%
Q4 20240.08%
Q1 20250.12%
Q2 20250.70%
Q3 20250.89%
Q4 20250.86%
Q1 20260.78%
Q2 20260.76%
Return on assets
0.70%0.90%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.74%
Q4 20240.80%
Q1 20250.70%
Q2 20250.75%
Q3 20250.79%
Q4 20250.84%
Q1 20261.10%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$792.7M8.90%0.76%1.11%95.5%
Q1 202659$785.6M9.00%0.78%1.10%96.1%
Q4 202557$742.8M9.03%0.86%0.84%91.1%
Q3 202558$721.1M9.19%0.89%0.79%87.3%
Q2 202559$741.6M8.99%0.70%0.75%85.0%
Q1 202564$726.0M8.86%0.12%0.70%87.1%
Q4 202464$725.6M8.85%0.08%0.80%84.8%
Q3 202464$702.7M9.10%0.12%0.74%91.6%
Q2 202464$662.4M9.21%0.09%0.74%97.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.90%
11th
Total risk-based capital12.90%
56th
Problem loans0.76%
35th
Net charge-offs0.00%
54th
Return on assets1.11%
41st
Net interest margin4.06%
57th
Efficiency ratio68.0%
35th
Loans to deposits95.5%
16th
Uninsured deposits26.4%
40th
Loan-loss reserves0.92%
19th
Texas ratio6.9%
27th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
FNBC BankBank Ash Flat, AR69 out of 100, Moderate$843.3M9.7%0.79%vs
The Malvern National BankBank Malvern, AR71 out of 100, Strong$728.4M9.4%0.09%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs
First State BankBank Russellville, AR71 out of 100, Strong$665.4M11.4%0.04%vs
Stone BankBank Mountain View, AR60 out of 100, Moderate$950.7M8.4%1.04%vs
Central BankBank Little Rock, AR34 out of 100, Low$954.6M9.4%4.76%vs

Deposit insurance

Is my money safe at First Western Bank?

Yes. First Western Bank is an FDIC-insured institution (FDIC certificate #13083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($177.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.90% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Western Bank lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Western Bank reported 147 home-loan applications under HMDA (LEI 54930013SG5BXUL3G429): 140 originated ($64,610,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Western Bank
Former names
Citizens Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
13083
RSSD ID
34742
Primary regulator
FED
Holding company
First W Bancshares Employee Stk Ownership Tr
Established
April 18, 1910
Headquarters
80 W Main St, Booneville, AR 72927
Employees
104

Quick answers

First Western Bank: common questions

Is First Western Bank FDIC insured?

Yes. First Western Bank is an FDIC-insured institution (FDIC certificate #13083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Western Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Western Bank ever failed?

There is no failure record for FDIC certificate #13083 in the FDIC failed bank list.

How many branches does First Western Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Booneville

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers BankBank Greenwood, AR90 out of 100, Very strong$288.7M16.2%0.20%vs
Logan County BankBank Scranton, AR88 out of 100, Very strong$120.8M16.9%0.18%vs
Subiaco Federal Credit UnionCredit union Subiaco, AR84 out of 100, Strong$27.1M16.1%0.62%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs