First Western Bank and Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.61% +0.61 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $223.1M | 223,069 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.32B | 2,320,130 | RCOAA224 |
| Recomputed ratio | 9.61% | numerator / denominator | |
| Filed ratio | 9.61% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.61 pp | $14.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 105,280 | 105,280 | 105,280 | 105,280 | 105,280 | 105,280 | RCOAP742 |
| Retained earnings | 163,100 | 158,791 | 154,078 | 149,092 | 146,647 | 143,887 | RCOAKW00 |
| Accumulated other comprehensive income | (9,675) | (10,015) | (9,121) | (10,529) | (12,642) | (13,710) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 258,705 | 254,056 | 250,237 | 243,843 | 239,285 | 235,457 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (35,636) | (35,587) | (36,773) | (35,656) | (33,835) | (33,058) | P859 - P840 |
| Common equity Tier 1 capital | 223,069 | 218,469 | 213,464 | 208,187 | 205,450 | 202,399 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 223,069 | 218,469 | 213,464 | 208,187 | 205,450 | 202,399 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 20,950 | 20,583 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 20,950 | 20,583 | |
| Total capital | NA | NA | NA | NA | 226,400 | 222,982 | |
| Total risk-weighted assets | NA | NA | NA | NA | 1,988,087 | 1,971,911 | |
| Average total assets for the leverage ratio | 2,320,130 | 2,262,834 | 2,236,591 | 2,198,615 | 2,169,035 | 2,147,265 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.61% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.65% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.54% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.47% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.33% | 10.33% | 11.39% | 9.47% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.26% | 10.26% | 11.31% | 9.43% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.17% | 11.17% | 12.26% | 9.10% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.01% | 10.01% | 10.99% | 8.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.40% | 10.40% | 11.42% | 8.81% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 8.88% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 8.93% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.27% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Western Bank and Trust (this bank) | CBLR | NA | NA | NA | 9.61% | |
| Guaranty Bank | $2.38B | Risk-based | 13.19% | 13.19% | 14.44% | 12.34% |
| Ephrata National Bank | $2.39B | Risk-based | 13.24% | 13.24% | 14.34% | 9.63% |
| First Community Bank | $2.38B | Risk-based | 12.98% | 12.98% | 14.13% | 9.29% |
| Anderson Brothers Bank | $2.38B | Risk-based | 11.24% | 11.24% | 12.49% | 9.29% |
| QNB Bank | $2.37B | Risk-based | 12.45% | 12.45% | 13.13% | 9.84% |
| John Marshall Bank | $2.40B | Risk-based | 15.59% | 15.59% | 16.68% | 12.95% |
| PiBank, N.A. | $2.37B | Risk-based | 10.83% | 17.27% | 18.52% | 9.71% |
| First United Bank | $2.41B | Risk-based | 15.64% | 15.64% | 16.83% | 11.17% |
| Peer 25th percentile | 12.15% | 12.85% | 13.88% | 9.55% | ||
| Peer median | 13.09% | 13.21% | 14.39% | 9.78% | ||
| Peer 75th percentile | 13.82% | 15.60% | 16.72% | 11.46% | ||
| This bank's percentile | NA | NA | NA | 25 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/687951/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.