First Western Bank and Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income rose 3.4% in Q2 2026 to -$9.7M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.61% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $223.1M |
| Tier 1 capital | $223.1M |
| Total risk-based capital | — |
| Total equity capital | $258.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.84% |
| Tangible equity to tangible assets | 9.12% |
| Equity capital to average assets | 10.94% |
| Internal capital growth rate | 6.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $103.7M |
| Retained earnings | $163.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.27% | — |
| Q4 2023 | — | — | — | 8.93% | — |
| Q1 2024 | — | — | — | 8.88% | — |
| Q2 2024 | 10.40% | 10.40% | 11.42% | 8.81% | $1.84B |
| Q3 2024 | 10.01% | 10.01% | 10.99% | 8.90% | $1.95B |
| Q4 2024 | 11.17% | 11.17% | 12.26% | 9.10% | $1.79B |
| Q1 2025 | 10.26% | 10.26% | 11.31% | 9.43% | $1.97B |
| Q2 2025 | 10.33% | 10.33% | 11.39% | 9.47% | $1.99B |
| Q3 2025 | — | — | — | 9.47% | — |
| Q4 2025 | — | — | — | 9.54% | — |
| Q1 2026 | — | — | — | 9.65% | — |
| Q2 2026 | — | — | — | 9.61% | — |
First Western Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank and Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Western Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19123) · FFIEC NIC profile (RSSD 687951)