First Western Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.60 percentage points in Q2 2026, from 229.35% to 223.75%. It was the largest change from Q1 2026 among the key lines here. First Western Bank and Trust ranks 9th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 97.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Western Bank and Trust sits 9.50 points higher, at 97.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.92B |
| Net loans and leases | $1.90B |
| Loans held for sale | $2.9M |
| Loans to total assets | 80.38% |
| Loan-to-deposit ratio | 97.70% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.31% |
| Multifamily (5+ residential) | 7.28% |
| Commercial and industrial | 16.29% |
| Consumer | 2.13% |
| Credit cards | 0.13% |
| Farm | 5.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.75% |
| Construction concentration (Tier 1 capital + allowance) | 58.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.62% |
| Interest income on loans | $27.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.68B | $1.77B | 30.19% | 19.17% | 3.19% |
| Q4 2023 | $1.75B | $1.93B | 28.82% | 18.58% | 3.11% |
| Q1 2024 | $1.77B | $1.96B | 28.88% | 18.15% | 3.03% |
| Q2 2024 | $1.80B | $1.92B | 28.94% | 18.37% | 2.96% |
| Q3 2024 | $1.79B | $1.92B | 28.64% | 17.56% | 2.97% |
| Q4 2024 | $1.78B | $1.93B | 28.20% | 17.68% | 2.84% |
| Q1 2025 | $1.77B | $1.89B | 29.58% | 17.33% | 2.71% |
| Q2 2025 | $1.79B | $1.88B | 29.31% | 16.15% | 2.60% |
| Q3 2025 | $1.82B | $1.86B | 28.81% | 15.71% | 2.50% |
| Q4 2025 | $1.84B | $1.93B | 28.51% | 15.29% | 2.38% |
| Q1 2026 | $1.87B | $1.96B | 28.86% | 15.68% | 2.27% |
| Q2 2026 | $1.92B | $1.96B | 29.31% | 16.29% | 2.13% |
First Western Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Bank and Trust, freeSource: Call Report Schedule RC-C, 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)