First Western Trust Bank
Denver, CO · Cert 57607 · Peer group: banks $1B-$10B in assets (n=322-328) · First Western Financial Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
$3.2BAssets
$2.7BLoans
$2.9BDeposits
$316.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: efficiency ratio trails 86% of banks $1B-$10B in assets (rank 284 of 328).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.82%
Rank 263 of 328
Net Interest Margin
2.85%
Rank 274 of 328
Efficiency Ratio
73.48%
Rank 284 of 328
Equity / Assets
9.78%
Rank 198 of 328
Non-interest income vs. expense
Unfavorable gap of $56.7M · efficiency ratio beats 14% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.91% | 1.22% | 1.52% | Beats 20% | 263 / 328 | |
| Return on Equity | 8.36% | 8.43% | 11.45% | 14.43% | Beats 24% | 248 / 328 | |
| Net Interest Margin | 2.85% | 3.03% | 3.45% | 3.83% | Beats 16% | 274 / 328 | |
| Efficiency Ratio | 73.48% | 51.61% | 59.56% | 67.53% | Beats 14% | 284 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.24% | 0.51% | 1.03% | Beats 44% | 180 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.75% | 13.15% | 15.47% | Beats 21% | 260 / 328 | |
| Total Risk-Based Capital Ratio | 12.20% | 12.63% | 14.15% | 16.46% | Beats 20% | 261 / 328 | |
| Equity / Assets | 9.78% | 9.15% | 10.33% | 12.01% | Beats 40% | 198 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.88% | 76.63% | 87.92% | 95.36% | 77th pctl | 74 / 323 | |
| Loans / Assets | 84.54% | 65.18% | 74.15% | 79.98% | 89th pctl | 35 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |