First Western Trust 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 Reserve coverage of non-performing loans: 2.58 percentage points lower than in Q1 2026, at 118.18%. First Western Trust Bank ranks 45th of 63 Colorado banks on return on assets, in the lower half at 0.81% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Western Trust Bank sits 0.46 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.37% |
| Tier 1 risk-based capital ratio | 11.37% |
| Total risk-based capital ratio | 12.20% |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.64% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 118.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 8.16% |
| Net interest margin | 3.00% |
| Efficiency ratio | 74.36% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.88% |
| Core deposits to total deposits | 83.59% |
| Brokered deposits to total deposits | 12.26% |
| Deposits to assets | 88.18% |
| Securities to assets | 6.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 10.42% | 11.31% | 8.88% | 0.54% |
| Q4 2023 | 10.54% | 10.54% | 11.45% | 8.71% | -0.36% |
| Q1 2024 | 11.00% | 11.00% | 12.02% | 8.70% | 0.46% |
| Q2 2024 | 11.22% | 11.22% | 12.35% | 8.95% | 0.31% |
| Q3 2024 | 11.39% | 11.39% | 12.13% | 9.11% | 0.38% |
| Q4 2024 | 11.41% | 11.41% | 12.10% | 8.94% | 0.48% |
| Q1 2025 | 11.76% | 11.76% | 12.52% | 9.24% | 0.68% |
| Q2 2025 | 11.36% | 11.36% | 12.13% | 9.49% | 0.44% |
| Q3 2025 | 11.20% | 11.20% | 12.04% | 8.59% | 0.48% |
| Q4 2025 | 11.15% | 11.15% | 11.99% | 8.79% | 0.49% |
| Q1 2026 | 11.33% | 11.33% | 12.21% | 9.01% | 0.88% |
| Q2 2026 | 11.37% | 11.37% | 12.20% | 9.22% | 0.81% |
First Western Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57607) · FFIEC NIC profile (RSSD 3158546)