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First Western Trust Bank

Denver, CO · Cert 57607 · First Western Financial Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$3.2BAssets
$2.7BLoans
$2.9BDeposits
$316.6MEquity
Loan mix
84%RE $2.3B11%C&I $0.3B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $2.5B14%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.49%Q2 ’245.33%Q2 ’255.30%Q2 ’26+9%+8%

Non-interest income vs. expense

2.92%Q2 ’242.86%Q2 ’252.82%Q2 ’26+1%+3%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 1.4% share · #14 of 68 inst. · $1.6B of $113.6B

2.5% Denver
5.3% Larimer
1.6% Boulder
5.8% Teton

Executive Summary

  • Earnings: ROA of 0.83%, up 29 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.60% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.22%, down 27 bps from a year ago.
  • Funding: loans stand at 95.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.32%-342 bps YoY

Tier 1 Leverage Ratio

9.22%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.52%0.51%0.86%0.83%+29 bps
Return on Equity5.51%5.39%5.33%9.04%8.59%+308 bps
Net Interest Margin2.64%2.42%2.52%2.80%2.85%+21 bps
Efficiency Ratio76.74%76.13%76.50%72.24%73.32%-342 bps
Non-Interest Burden1.76%1.60%1.69%1.72%1.81%+5 bps
Growth
Asset Growth (YoY)3.00%11.35%8.18%11.62%7.12%+411 bps
Loan Growth (YoY)3.28%9.04%9.76%11.60%6.72%+344 bps
Deposit Growth (YoY)4.34%13.30%8.81%12.54%12.52%+818 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.74%0.62%0.85%0.60%+4 bps
Net Charge-Offs / Loans0.10%0.08%0.07%0.00%0.00%-10 bps
Allowance / Loans0.74%0.80%0.80%0.77%0.74%0 bps
Allowance Coverage of NPLs1.3x1.1x1.3x0.9x1.2x-0.1x
Capital
Tier 1 Leverage Ratio9.49%8.59%8.79%9.01%9.22%-27 bps
Total Risk-Based Capital12.13%12.04%11.99%12.21%12.20%+7 bps
Equity / Assets9.64%9.12%9.51%9.52%9.78%+14 bps
Liquidity & Funding
Loans / Deposits101.09%91.47%97.68%95.39%95.88%-521 bps
Liquid Assets / Assets10.59%13.60%9.06%10.75%8.57%-201 bps
CRE / Total Capitaln/a426%440%423%n/an/a