Denver, CO · Cert 57607 · First Western Financial Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 1.4% share · #14 of 68 inst. · $1.6B of $113.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.40% | 0.66% | 0.54% | 0.52% | 0.51% | 0.86% | 0.83% | +29 bps | |
| Return on Equity | 3.96% | 4.21% | 6.78% | 5.51% | 5.39% | 5.33% | 9.04% | 8.59% | +308 bps | |
| Net Interest Margin | 2.41% | 2.37% | 2.59% | 2.64% | 2.42% | 2.52% | 2.80% | 2.85% | +21 bps | |
| Efficiency Ratio | 82.13% | 82.56% | 76.00% | 76.74% | 76.13% | 76.50% | 72.24% | 73.32% | -342 bps | |
| Non-Interest Burden | 1.75% | 1.75% | 1.69% | 1.76% | 1.60% | 1.69% | 1.72% | 1.81% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -1.90% | -0.88% | 3.00% | 11.35% | 8.18% | 11.62% | 7.12% | +411 bps | |
| Loan Growth (YoY) | -5.76% | -3.42% | -2.01% | 3.28% | 9.04% | 9.76% | 11.60% | 6.72% | +344 bps | |
| Deposit Growth (YoY) | 3.17% | -0.73% | -0.80% | 4.34% | 13.30% | 8.81% | 12.54% | 12.52% | +818 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.53% | 0.52% | 0.56% | 0.74% | 0.62% | 0.85% | 0.60% | +4 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.37% | 0.09% | 0.10% | 0.08% | 0.07% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 0.78% | 0.75% | 0.74% | 0.74% | 0.80% | 0.80% | 0.77% | 0.74% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.4x | 1.4x | 1.3x | 1.1x | 1.3x | 0.9x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 8.94% | 9.24% | 9.49% | 8.59% | 8.79% | 9.01% | 9.22% | -27 bps | |
| Total Risk-Based Capital | 12.13% | 12.10% | 12.52% | 12.13% | 12.04% | 11.99% | 12.21% | 12.20% | +7 bps | |
| Equity / Assets | 9.57% | 9.70% | 9.92% | 9.64% | 9.12% | 9.51% | 9.52% | 9.78% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.04% | 96.84% | 96.19% | 101.09% | 91.47% | 97.68% | 95.39% | 95.88% | -521 bps | |
| Liquid Assets / Assets | 11.49% | 10.37% | 11.36% | 10.59% | 13.60% | 9.06% | 10.75% | 8.57% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 426% | 440% | 423% | n/a | n/a | |