First Western Bank and Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 74.9% in Q2 2026, from $83.7M to $146.4M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, First Western Bank and Trust is 9th of 60 on loan-to-deposit ratio, 97.70% as of Q2 2026, above the middle of the field. First Western Bank and Trust reported 97.70% on loan-to-deposit ratio for Q2 2026, 9.50 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $317.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.9M |
| Other borrowed money | $146.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.70% |
| Net loans and leases to deposits | 96.70% |
| Loans and leases to core deposits | 107.94% |
| Core deposits to total deposits | 84.43% |
| Brokered deposits to total deposits | 6.08% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.89% | 85.79% | $2.7M | $120.7M |
| Q4 2023 | 90.80% | 83.10% | $3.6M | $31.8M |
| Q1 2024 | 90.24% | 83.35% | $4.6M | $8.3M |
| Q2 2024 | 94.06% | 83.18% | $1.9M | $87.2M |
| Q3 2024 | 93.08% | 82.69% | $1.5M | $64.3M |
| Q4 2024 | 92.34% | 85.38% | $1.1M | $36.8M |
| Q1 2025 | 93.60% | 84.35% | $1.9M | $60.0M |
| Q2 2025 | 95.32% | 84.25% | $803K | $105.4M |
| Q3 2025 | 98.14% | 85.39% | $2.4M | $154.7M |
| Q4 2025 | 95.58% | 85.29% | $1.8M | $109.7M |
| Q1 2026 | 95.66% | 84.81% | $2.8M | $83.7M |
| Q2 2026 | 97.70% | 84.43% | $1.9M | $146.4M |
First Western Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank and Trust, freeSource: Call Report Schedules RC and RC-M, 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)