First Western Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
First Western Trust Bank is an FDIC-insured commercial bank headquartered in Denver, CO, established in 2004 (FDIC certificate 57607), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.24B, up 7.1% from Q2 2025, the 4th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 11.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57607
- Headquarters
- Denver, CO
- Established
- 2004
- Total assets, Q2 2026
- $3.24B
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 11.37%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 102007011
- Holding company
- FIRST WESTERN FINANCIAL, INC.
- Asset rank in state
- 4th of 63 in Colorado
First Western Trust Bank spends more to run itself than most banks of its size. It reported $3.2 billion in assets at June 30, 2026, up 7.1% from a year earlier. It spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also pays an average of 2.77% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $6.4 million, 107% above the same quarter a year earlier. Over the same year, loans grew 6.7% and deposits grew 12.5%. Its margin is thin by comparison: it keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, First Western Trust Bank reported a CET1 capital ratio of 11.37%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 5.34%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, First Western Trust Bank is the 4th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $3.24B, loans rose 0.7% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.5%. Its 15 offices in the FDIC Summary of Deposits are in 14 cities across 5 states; its Denver 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, First Western Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1900 16th St, Denver, CO 80202
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 2004
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 335
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $20.3M
- Net charge-offs (YTD)
- -$24K
- Average total assets
- $3.14B
- Average total loans
- $2.74B
- Average interest-bearing deposits
- $2.37B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 17, 2004
- FDIC Cert
- 57607
- Fed RSSD
- 3158546
- SEC CIK
- 1327607 → filed by FIRST WESTERN FINANCIAL, INC.
- Website
- www.myfw.com →
- Parent Holding Company
- FIRST WESTERN FINANCIAL, INC. (RSSD 3189906) · MYFW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Scott C Wylie | CEO | CHAIRMAN, CEO AND PRESIDENT |
| David R. Weber | CFO | Chief Financial Officer |
| Julie A Courkamp | COO | CHIEF OPERATING OFFICER |
| Eric E. Ensmann | CRO | Chief Risk Officer |
| Scott J Lawley | CCO | CHIEF CREDIT OFFICER |
| Sawyer John Emery | CIO | CHIEF INVESTMENT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Western Trust Bank's total assets ranged from $2.90B (Q1 2025) to $3.24B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.24B total assets against $3.02B; $2.92B total liabilities against $2.73B.
$2.72B net loans and leases against $2.55B; $2.85B total deposits against $2.54B.
$207.2M securities against $100.5M; $174.9M cash and balances due against $234.2M.
$42.0M total interest income against $37.5M; $19.4M total interest expense against $19.0M.
$22.6M net interest income against $18.5M.
$7.8M total noninterest income against $7.6M; $22.7M total noninterest expense against $20.2M.
-$469K provision for credit losses against $1.8M.
$6.4M net income against $3.1M.
0.81% return on assets against 0.44%; 3.00% net interest margin against 2.74%.
11.37% CET1 capital ratio against 11.36%; 9.22% tier 1 leverage ratio against 9.49%.
Inside the full First Western Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Western Trust Bank rankings
Its closest position to the top of a national ranking is 389 of 4,196, for total assets; its furthest is 1,873 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.38% (Q3 2024) to 0.88% (Q1 2026) and its net interest margin ran from 2.42% (Q3 2024) to 3.00% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.37% | 0.81% | 0.60% | 5.34% | 3.00% |
| Q1 2026 | 11.33% | 0.88% | 0.85% | 7.74% | 2.87% |
| Q4 2025 | 11.15% | 0.49% | 0.62% | 6.77% | 2.81% |
| Q3 2025 | 11.20% | 0.48% | 0.74% | 8.34% | 2.64% |
| Q2 2025 | 11.36% | 0.44% | 0.56% | 6.74% | 2.74% |
| Q1 2025 | 11.76% | 0.68% | 0.52% | 6.25% | 2.69% |
| Q4 2024 | 11.41% | 0.48% | 0.53% | 18.20% | 2.58% |
| Q3 2024 | 11.39% | 0.38% | 0.63% | 19.62% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Western Trust Bank (main office) | Denver , CO | 80202 | $1.21B |
| First Western Trust Bank Northern Colorado Branch | Fort Collins , CO | 80528 | $548.3M |
| First Western Trust Bank Boulder Branch | Boulder , CO | 80302 | $188.9M |
| First Western Trust Bank Cherry Creek Branch | Denver , CO | 80206 | $170.7M |
| West Broadway - Jackson Branch | Jackson , WY | 83001 | $161.3M |
| First Western Trust Bank Dtc Cherry Hills Branch | Englewood , CO | 80111 | $132.6M |
| Pinedale Branch | Pinedale , WY | 82941 | $91.3M |
| First Western Trust Bank Scottsdale Branch | Scottsdale , AZ | 85253 | $86.1M |
| Rock Springs Branch | Rock Springs , WY | 82901 | $67.0M |
| First Western Trust Bank Vail Valley Branch | Avon , CO | 81620 | $64.6M |
| First Western Trust Bank Phoenix Branch | Phoenix , AZ | 85016 | $43.5M |
| First Western Trust Bank - Broomfield Branch | Broomfield , CO | 80021 | $37.9M |
| First Western Trust Bank Aspen Branch | Aspen , CO | 81611 | $26.7M |
| First Western Trust Bank - Bozeman Branch | Bozeman , MT | 59715 | $22.8M |
| First Western Trust Bank Century City Branch | Los Angeles , CA | 90067 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2022 | M&A | Acquired Rocky Mountain Bank merger for the acquired bank | SEC |
| January 1, 2022 | Structure Change | Acquired Rocky Mountain Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2011 | M&A | Acquired First Western Trust Bank merger for the acquired bank | SEC |
| September 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2011 | Structure Change | Acquired First Western Trust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in CO, rank 16 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,275 applications, 974 loans originated, $636.9M originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $436K approved, $436K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Western Trust Bank
What are First Western Trust Bank's total assets?
As of the Q2 2026 filing, First Western Trust Bank reported total assets of $3.24 billion in its FFIEC call report.
Where is First Western Trust Bank headquartered?
It is headquartered in Denver, CO, United States.
When was First Western Trust Bank founded?
It was established in 2004, per the FDIC institution directory.
Is First Western Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Western Trust Bank?
First Western Trust Bank's primary federal regulator is the FDIC.
What is First Western Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Western Trust Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Western Trust Bank's Texas Ratio?
Its Texas Ratio is 5.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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