First Western Trust Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 33.8% in Q2 2026, from $264.1M to $174.9M. It was the largest change from Q1 2026 among the key lines here. First Western Trust Bank ranks 13th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 95.88% (Q2 2026). First Western Trust Bank reported 95.88% on loan-to-deposit ratio for Q2 2026, 7.68 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $174.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $382.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $36.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.88% |
| Net loans and leases to deposits | 95.17% |
| Loans and leases to core deposits | 100.30% |
| Core deposits to total deposits | 83.59% |
| Brokered deposits to total deposits | 12.26% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 104.06% | 70.97% | $0 | $259.9M |
| Q4 2023 | 99.53% | 71.71% | $0 | $125.7M |
| Q1 2024 | 97.39% | 70.40% | $0 | $69.5M |
| Q2 2024 | 102.13% | 65.41% | $0 | $191.5M |
| Q3 2024 | 95.04% | 68.92% | $0 | $72.0M |
| Q4 2024 | 96.84% | 69.05% | $0 | $66.7M |
| Q1 2025 | 96.19% | 74.57% | $0 | $52.1M |
| Q2 2025 | 101.09% | 74.82% | $0 | $163.9M |
| Q3 2025 | 91.47% | 77.84% | $0 | $51.4M |
| Q4 2025 | 97.68% | 79.74% | $0 | $63.2M |
| Q1 2026 | 95.39% | 82.53% | $0 | $50.0M |
| Q2 2026 | 95.88% | 83.59% | $0 | $36.4M |
First Western Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Trust Bank, freeSource: Call Report Schedules RC and RC-M, 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)