Bank Comparison
First Western Bank and Trust vs Starion Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| CET1 Ratio | — | 13.86% |
| Tier 1 Capital Ratio | — | 13.86% |
| Total Capital Ratio | — | 15.11% |
| Tier 1 Leverage Ratio | 9.65% | 9.48% |
| Equity / Assets | 10.93% | 8.26% |
Profitability
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 1.09% |
| Return on Equity (ROE) | 8.59% | 13.30% |
| Net Interest Margin (NIM) | 3.78% | 2.86% |
| Yield on Earning Assets | 6.08% | 4.69% |
| Cost of Funds | 2.43% | 2.01% |
Asset quality
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| Texas Ratio | 19.28% | 6.78% |
| Non-Performing Loan Ratio | 1.55% | 0.95% |
| Non-Performing Asset Ratio | 1.88% | 0.57% |
| Net Charge-Off Ratio | 0.11% | -0.06% |
| ACL / Loans | 1.08% | 1.47% |
Balance sheet
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| Total Assets | $2,324M | $2,135M |
| Total Deposits | $1,959M | $1,853M |
| Total Loans | $1,874M | $1,294M |
| Total Equity | $254,056K | $176,488K |
| Net Income (quarter) | $5,413K | $5,800K |
Liquidity & funding
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.66% | 69.86% |
| Core Deposit Ratio | 90.14% | 89.68% |
| Uninsured Deposit Ratio | 6.07% | 43.28% |
Identity
| Metric | First Western Bank and Trust | Starion Bank |
|---|---|---|
| Headquarters City | MINOT | BISMARCK |
| Headquarters State | ND | ND |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 20 | 16 |
| Employees (FTE) | 341 | 241 |
| Established | May 11, 1964, midnight | Jan. 1, 1993, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Western Bank and Trust profile | View full Starion Bank profile | Browse all bank comparisons