First Western Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 14.98 percentage points higher than in Q1 2026, at 144.42%. On return on assets, First Western Federal Savings Bank ranks 5th highest among the 56 banks headquartered in South Dakota, at 2.56% (Q2 2026). First Western Federal Savings Bank's return on assets of 2.56% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.58 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.08% |
| Equity capital to assets | 17.67% |
| Tangible equity to tangible assets | 17.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.56% |
| Return on equity | 14.28% |
| Net interest margin | 5.23% |
| Efficiency ratio | 50.93% |
| Yield on earning assets | 7.79% |
| Cost of funds | 3.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 144.42% |
| Core deposits to total deposits | 64.86% |
| Brokered deposits to total deposits | 24.13% |
| Deposits to assets | 63.83% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.49% | 0.99% | 3.67% | 0.01% | 0.00% |
| Q4 2023 | 15.92% | 1.13% | 3.64% | 0.01% | 0.00% |
| Q1 2024 | 16.16% | 0.95% | 3.63% | 0.15% | 0.00% |
| Q2 2024 | 16.71% | 1.48% | 4.08% | 0.01% | 0.00% |
| Q3 2024 | 16.80% | 1.55% | 4.23% | 0.07% | 0.00% |
| Q4 2024 | 16.13% | 1.60% | 4.09% | 0.47% | 0.00% |
| Q1 2025 | 16.89% | 1.63% | 4.51% | 0.01% | 0.00% |
| Q2 2025 | 17.97% | 2.05% | 4.89% | 0.16% | 0.00% |
| Q3 2025 | 17.82% | 1.55% | 4.84% | 0.00% | 0.00% |
| Q4 2025 | 16.56% | 2.16% | 4.54% | 0.00% | 0.00% |
| Q1 2026 | 16.51% | 2.14% | 4.77% | 0.00% | 0.00% |
| Q2 2026 | 18.08% | 2.56% | 5.23% | 0.00% | 0.00% |
First Western Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31972) · FFIEC NIC profile (RSSD 715470)