First Western Trust Bank
First Western Trust Bank reported total assets of $3.2 bn at Q2 2026, up 7.1% on a year earlier, the 391st largest of 497 banks in our US coverage. The CET1 capital ratio at First Western Trust Bank was 11.37%, and the uninsured share of First Western Trust Bank was 40.05%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), First Western Trust Bank climbed from 447th to 395th among 500 US banks between and (1 = highest; FDIC Call Reports).
- First Western Trust Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- Since , First Western Trust Bank has taken over one institution; the latest was Rocky Mountain Bank on (FDIC Call Reports).
What sets First Western Trust Bank apart
How large is First Western Trust Bank?
The balance sheet of First Western Trust Bank at : assets $3.2 bn, deposits $2.9 bn, net loans $2.7 bn (loans equal to 95.17% of deposits). Securities make up 6.4% of total assets at First Western Trust Bank. Since , when First Western Trust Bank held $857.9 mn, its assets grew 277.3%. In the year to , deposits at First Western Trust Bank rose 12.5% while its total assets rose 7.1%. At , First Western Trust Bank employed 335 full-time equivalent staff across 15 offices, about $9.7 mn of assets per employee and $190.3 mn of deposits per office.
How much funding at First Western Trust Bank is uninsured?
At First Western Trust Bank, uninsured deposits (above the FDIC limit) made up 40.05% of domestic deposits at (+1.44 pp on a year earlier); First Western Trust Bank ranks 186th of 500 on this measure. In dollars, First Western Trust Bank estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.9 bn | +12.5% | 374th of 499 |
| Net loans and leases | $2.7 bn | +6.7% | 341st of 500 |
| Loan-to-deposit ratio | 95.17% | -5.18 pp | 106th of 500 |
| Tier 1 leverage ratio | 9.22% | -0.27 pp | 404th of 500 |
| Total risk-based capital ratio | 12.20% | +0.07 pp | 399th of 448 |
| Net interest margin | 2.90% | +0.26 pp | 420th of 500 |
| Return on assets (ROA) | 0.83% | +0.29 pp | 433rd of 500 |
| Efficiency ratio | 73.32% | -3.42 pp | 453rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $4.3 mn | Narrowed by $1.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $130,000 | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 0.60% | +0.04 pp | 240th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.10 pp | 40th of 500 (1 = lowest) |
US rank of First Western Trust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First Western Trust Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.9bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of First Western Trust Bank stood at 11.37% in , +0.01 pp year on year. Low and high at First Western Trust Bank since : 9.07% () to 12.01% (). Equity capital of First Western Trust Bank at : $316.6 mn, or 9.8% of total assets. First Western Trust Bank also reported a total capital ratio of 12.20% for , and a tier 1 leverage ratio of 9.22%.
On held-to-maturity securities, First Western Trust Bank carried an unrealized loss of $4.3 mn at , equal to 1.4% of equity capital. The loss narrowed by $1.6 mn over the year. Its deepest point: $9.1 mn in . The available-for-sale portfolio of First Western Trust Bank showed an unrealized loss of $130,000 at ; the loss turned from a gain into a loss over the year.
First Western Trust Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.2%
First Western Trust Bank: unrealized securities gains and losses
- Available for sale -$130,000
- Held to maturity -$4mn
Profitability and loan quality
For the year to , First Western Trust Bank earned a return on equity of 8.59%; return on assets: 0.83%. Net interest margin at First Western Trust Bank: 2.90%, +0.26 pp in a year. First Western Trust Bank net income: $13.2 mn, up 67.3% year on year. The efficiency ratio of First Western Trust Bank was 73.32%: about 73 cents cost per revenue dollar, against 66 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at First Western Trust Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at First Western Trust Bank: $2.7 bn, up 6.7% in a year.
First Western Trust Bank: profitability
- Return on equity 8.6%
- Net interest margin 2.9%
- Return on assets 0.8%
Peer group of First Western Trust Bank
The peer group of First Western Trust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of First Western Trust Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Colorado. Against them, First Western Trust Bank shows CET1 ratio 11.37% against a peer median of 14.83%, return on equity 8.59% against a peer median of 9.76% and uninsured deposit share 40.05% against a peer median of 39.94%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Stearns Bank | National bank | MN | $3.3 bn | 15.39% | 12.78% | 15.89% | |
| Bristol County Savings Bank | State nonmember bank | MA | $3.3 bn | 17.84% | 4.27% | 35.78% | |
| Georgia Banking Company | State nonmember bank | GA | $3.3 bn | 11.83% | 10.81% | 44.10% | |
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Western Trust Bank, to : assets +11.4%, deposits +13.2%, equity +13.8%. Staff 322 to 335.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.9 bn | $2.8 bn | $2.8 bn | $2.9 bn |
| Bank equity capital | $278.2 mn | $282.5 mn | $287.7 mn | $291.4 mn | $295.0 mn | $299.7 mn | $308.4 mn | $316.6 mn |
| CET1 ratio | 11.39% | 11.41% | 11.76% | 11.36% | 11.20% | 11.15% | 11.33% | 11.37% |
| Return on equity (ROE) | 3.96% | 4.21% | 6.78% | 5.51% | 5.39% | 5.33% | 9.04% | 8.59% |
| Uninsured share of domestic deposits | 36.89% | 35.67% | 38.11% | 38.61% | 35.54% | 36.79% | 39.48% | 40.05% |
| Full-time equivalent employees | 322 | 321 | 305 | 313 | 317 | 320 | 330 | 335 |
| Number of offices | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Western Trust Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Rocky Mountain Bank (FDIC certificate 24334).
Large one-quarter moves at First Western Trust Bank
- Total assets at First Western Trust Bank changed by +33.9% in the quarter to 2020-06-30: Branch Purchased: acquired from Simmons Bank.
Questions and identifiers
What were the total assets of First Western Trust Bank?
First Western Trust Bank reported $3.2 bn at in its Call Report. That makes First Western Trust Bank the 391st largest of 497 banks in our US coverage.
Is First Western Trust Bank the same as its holding company?
No. This page covers First Western Trust Bank, FDIC certificate 57607; First Western Financial Inc, its holding company, reports separately to the Federal Reserve.
Is First Western Trust Bank profitable?
First Western Trust Bank reported net income of $13.2 mn for the year to ; annualized return on equity: 8.59%. So yes: First Western Trust Bank made a profit over these months.
When is data for First Western Trust Bank next updated?
Figures from First Western Trust Bank for are due after .
Where can I check the figures for First Western Trust Bank?
In the FDIC BankFind Suite record for certificate 57607, and in the Call Reports of First Western Trust Bank (RSSD ID 3158546) at the FFIEC Central Data Repository.