First Western Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Western Bank and Trust of Minot, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.46% | -0.47% | 28th below |
| ROAE | 9.14% | 12.72% | -3.58% | 26th below |
| Net Interest Margin | 3.97% | 3.85% | +0.12% | 66th above |
| Efficiency Ratio | 64.61% | 57.40% | +7.21% | 32nd below |
| PPNR / Avg Assets | 1.51% | 1.88% | -0.37% | 37th below |
| Yield on Earning Assets | 6.23% | 5.72% | +0.51% | 83rd top |
| Cost of Funds | 2.12% | 2.02% | +0.10% | 42nd below |
| Net Interest Spread | 3.33% | 3.18% | +0.15% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 1.00% | +0.44% | 20th bottom |
| NPA / Total Assets | 1.76% | 0.76% | +1.00% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.40% | 0.43% | -0.03% | 12th bottom |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 33rd below |
| ACL / NPLs (Coverage) | 71.15% | 543.80% | -472.65% | 17th bottom |
| Texas Ratio | 18.78% | 7.38% | +11.40% | 8th bottom |
| Provision / NCO | 101.43% | 619.17% | -517.74% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.61% | 11.44% | -1.83% | 25th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.84% | 11.34% | -0.50% | 58th above |
| TCE / Tangible Assets | 9.12% | 10.50% | -1.38% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.70% | 86.94% | +10.76% | 22nd bottom |
| Core Deposit Ratio | 84.43% | 85.56% | -1.13% | 33rd below |
| Uninsured Deposit Ratio | 6.07% | 33.15% | -27.08% | 98th top |
| Wholesale Funding Ratio | 6.21% | 5.70% | +0.51% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.31% | 9.68% | -3.37% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.89% | 8.06% | -1.17% | 57th above |
| Deposit Growth (Y/Y) | 4.28% | 7.87% | -3.59% | 47th below |
See First Western Bank and Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Western Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Western Bank and Trust profile, how to read a UBPR, or how this data updates.