First Western Trust Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.00%, the biggest move on this page. First Western Trust Bank has the 7th lowest net interest margin of the 63 banks headquartered in Colorado, at 3.00% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Western Trust Bank sits 0.71 points lower, at 3.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 5.72% |
| Yield on securities | 4.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.77% |
| Cost of interest-bearing deposits | 3.08% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.2M |
| Total interest expense | $19.4M |
| Interest expense on deposits | $19.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.41% | 3.07% | 2.60% | 5.52% | 3.09% |
| Q4 2023 | 5.56% | 3.30% | 2.49% | 5.67% | 3.12% |
| Q1 2024 | 5.63% | 3.38% | 2.50% | 5.75% | 3.20% |
| Q2 2024 | 5.64% | 3.47% | 2.43% | 5.75% | 3.42% |
| Q3 2024 | 5.70% | 3.47% | 2.42% | 5.80% | 3.56% |
| Q4 2024 | 5.57% | 3.16% | 2.58% | 5.72% | 3.56% |
| Q1 2025 | 5.50% | 2.98% | 2.69% | 5.65% | 3.57% |
| Q2 2025 | 5.57% | 3.02% | 2.74% | 5.70% | 3.79% |
| Q3 2025 | 5.62% | 3.19% | 2.64% | 5.83% | 4.34% |
| Q4 2025 | 5.60% | 3.01% | 2.81% | 5.79% | 4.44% |
| Q1 2026 | 5.45% | 2.78% | 2.87% | 5.62% | 4.22% |
| Q2 2026 | 5.57% | 2.77% | 3.00% | 5.72% | 4.40% |
First Western Trust Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Trust Bank, freeSource: Call Report Schedules RI and RC-K, 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)