First Western Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Western Bank (FDIC Cert #13083) at 73/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Rather than a standalone rating, the elevated score is tied to real markets — every one of the 64 ZIP codes First Western Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. First Western Bank is held under First W Bancshares Employee Stk Ownership Tr, so its disclosures are public and its stress trajectory is externally verifiable. First Western Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Its footprint is compact and single-state: 64 ZIP codes in 4 counties over 1 states. It concentrates most in Arkansas (4 counties). Because First Western Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Its lending reaches counties such as Benton County, AR, Washington County, AR, Sebastian County, AR, Logan County, AR, each tied back to DLRadar's distress signals. A elevated score on a footprint this size means the markets First Western Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when First Western Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.