First Western Trust Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 10.44 percentage points in Q2 2026, from 329.52% to 319.08%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, First Western Trust Bank is 13th of 63 on loan-to-deposit ratio, 95.88% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Western Trust Bank sits 7.68 points higher, at 95.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.74B |
| Net loans and leases | $2.72B |
| Loans held for sale | $24.7M |
| Loans to total assets | 84.54% |
| Loan-to-deposit ratio | 95.88% |
| Net loans to equity capital | 8.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.58% |
| Multifamily (5+ residential) | 8.46% |
| Commercial and industrial | 10.21% |
| Consumer | 4.99% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 319.08% |
| Construction concentration (Tier 1 capital + allowance) | 63.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.72% |
| Interest income on loans | $39.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.54B | $2.44B | 23.57% | 16.77% | 4.18% |
| Q4 2023 | $2.54B | $2.55B | 23.13% | 16.13% | 4.10% |
| Q1 2024 | $2.49B | $2.55B | 23.67% | 15.06% | 4.17% |
| Q2 2024 | $2.48B | $2.43B | 23.64% | 13.92% | 3.68% |
| Q3 2024 | $2.40B | $2.52B | 24.86% | 12.61% | 3.52% |
| Q4 2024 | $2.45B | $2.53B | 23.65% | 11.41% | 3.48% |
| Q1 2025 | $2.44B | $2.53B | 25.18% | 11.22% | 3.33% |
| Q2 2025 | $2.56B | $2.54B | 24.82% | 11.72% | 5.02% |
| Q3 2025 | $2.61B | $2.86B | 26.94% | 10.91% | 4.78% |
| Q4 2025 | $2.69B | $2.75B | 28.57% | 10.67% | 4.66% |
| Q1 2026 | $2.72B | $2.85B | 27.91% | 11.39% | 4.60% |
| Q2 2026 | $2.74B | $2.85B | 27.58% | 10.21% | 4.99% |
First Western Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Trust Bank, freeSource: Call Report Schedule RC-C, 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)