First Western Bank and Trust
Minot, ND · Cert 19123 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Westbrand Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
$2.4BAssets
$1.9BLoans
$2.0BDeposits
$258.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 58% of banks $1B-$10B in assets operating regionally (rank 74 of 176).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating regionally (rank 170 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.94%
Rank 131 of 176
Net Interest Margin
3.62%
Rank 85 of 176
Efficiency Ratio
66.29%
Rank 126 of 176
Equity / Assets
10.84%
Rank 74 of 176
Non-interest income vs. expense
Unfavorable gap of $48.8M · efficiency ratio beats 29% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.93% | 1.26% | 1.54% | Beats 26% | 131 / 176 | | |
| Return on Equity | 8.71% | 9.26% | 11.89% | 14.46% | Beats 20% | 140 / 176 | | |
| Net Interest Margin | 3.62% | 3.25% | 3.59% | 3.93% | Beats 52% | 85 / 176 | | |
| Efficiency Ratio | 66.29% | 52.79% | 59.55% | 67.66% | Beats 29% | 126 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.30% | 0.64% | 1.32% | Beats 22% | 139 / 176 | | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.04% | 0.10% | Beats 16% | 148 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 9.61% | 11.15% | 12.72% | 14.15% | Beats 3% | 170 / 176 | | |
| Total Risk-Based Capital Ratio | 9.61% | 11.81% | 13.63% | 15.33% | Beats 3% | 170 / 176 | | |
| Equity / Assets | 10.84% | 9.16% | 10.35% | 11.80% | Beats 58% | 74 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.70% | 80.94% | 89.73% | 97.21% | 77th pctl | 40 / 176 | | |
| Loans / Assets | 80.38% | 69.25% | 75.12% | 80.82% | 72nd pctl | 49 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |