First Western Trust Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 4.7% from Q1 2026 to Q2 2026, ending at $142.6M against $136.2M. It was the largest change among the key lines on this page. On CET1 ratio, First Western Trust Bank is 3rd from the bottom among 34 Colorado banks, 11.37% (Q2 2026). First Western Trust Bank reported 11.37% on CET1 ratio for Q2 2026, 2.11 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.37% |
| Tier 1 risk-based capital ratio | 11.37% |
| Total risk-based capital ratio | 12.20% |
| Tier 1 leverage ratio | 9.22% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $286.6M |
| Tier 1 capital | $286.6M |
| Total risk-based capital | $307.6M |
| Total equity capital | $316.6M |
| Risk-weighted assets | $2.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 10.10% |
| Internal capital growth rate | 8.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $170.7M |
| Retained earnings | $142.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $911K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 10.42% | 11.31% | 8.88% | $2.37B |
| Q4 2023 | 10.54% | 10.54% | 11.45% | 8.71% | $2.32B |
| Q1 2024 | 11.00% | 11.00% | 12.02% | 8.70% | $2.24B |
| Q2 2024 | 11.22% | 11.22% | 12.35% | 8.95% | $2.22B |
| Q3 2024 | 11.39% | 11.39% | 12.13% | 9.11% | $2.22B |
| Q4 2024 | 11.41% | 11.41% | 12.10% | 8.94% | $2.25B |
| Q1 2025 | 11.76% | 11.76% | 12.52% | 9.24% | $2.21B |
| Q2 2025 | 11.36% | 11.36% | 12.13% | 9.49% | $2.32B |
| Q3 2025 | 11.20% | 11.20% | 12.04% | 8.59% | $2.40B |
| Q4 2025 | 11.15% | 11.15% | 11.99% | 8.79% | $2.45B |
| Q1 2026 | 11.33% | 11.33% | 12.21% | 9.01% | $2.47B |
| Q2 2026 | 11.37% | 11.37% | 12.20% | 9.22% | $2.52B |
First Western Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Trust Bank, freeSource: Call Report Schedule RC-R, 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57607) · FFIEC NIC profile (RSSD 3158546)