First Western Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Western Bank and Trust is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, First Western Bank and Trust reported $2.4B in total assets against $2.0B in deposits. Earnings are mid-range, 0.99% ROA and a 3.97% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.61% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.44% NPL ratio. Its footprint covers 20 branches concentrated in North Dakota.
As of June 30, 2026, First Western Bank and Trust reported a Tier 1 leverage ratio of 9.61%, a return on assets of 0.99%, a nonperforming-loan ratio of 1.44%, a Texas ratio of 18.78%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 900 S Broadway, Minot, ND 58701
- County
- Ward
- Metro Area
- Minot, ND
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 11, 1964
- Former names
- First Western Bank & Trust (1989); First Western Bank of Minot (1982-1989); First Western State Bank of Minot (1972-1982)
- Offices
- 20 domestic
- Employees (FTE)
- 347
- Domestic deposits
- $1.96B
- Allowance for credit losses
- $19.7M
- Net charge-offs (YTD)
- $2.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 11, 1964
- FDIC Cert
- 19123
- Fed RSSD
- 687951
- Website
- www.firstwestern.bank →
- Parent Holding Company
- WESTBRAND, INC. (RSSD 1127650)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Western Bank and Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Western Bank and Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Western Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.61% | 0.99% | 1.44% | 18.78% | 3.97% |
| Q1 2026 | 9.65% | 0.94% | 1.55% | 19.28% | 3.78% |
| Q4 2025 | 9.54% | 1.07% | 1.14% | 21.15% | 3.80% |
| Q3 2025 | 9.47% | 0.92% | 1.58% | 25.96% | 3.86% |
| Q2 2025 | 9.47% | 0.71% | 2.54% | 24.99% | 3.54% |
| Q1 2025 | 9.43% | 0.66% | 2.66% | 27.15% | 3.32% |
| Q4 2024 | 9.10% | 0.73% | 2.59% | 25.20% | 3.14% |
| Q3 2024 | 8.90% | 0.63% | 2.08% | 23.25% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Western Bank & Trust | Minot , ND | 58701 | $1.10B |
| Bismarck Branch | Bismarck , ND | 58504 | $120.7M |
| Baxter Branch | Baxter , MN | 56425 | $114.5M |
| Bismarck Branch | Bismarck , ND | 58503 | $80.6M |
| Alexandria Branch | Alexandria , MN | 56308 | $70.1M |
| West Fargo Branch | West Fargo , ND | 58078 | $69.3M |
| Eden Prairie Branch | Eden Prairie , MN | 55344 | $67.9M |
| Nisswa Branch | Nisswa , MN | 56468 | $58.6M |
| State Bank of Lismore Branch | Lismore , MN | 56155 | $56.9M |
| Detached Facility | Minot , ND | 58701 | $46.0M |
| Sioux Falls Branch | Sioux Falls , SD | 57104 | $29.7M |
| Fargo Branch | Fargo , ND | 58104 | $27.0M |
| Carlos Branch | Carlos , MN | 56319 | $26.0M |
| Crosslake Branch | Crosslake , MN | 56442 | $25.1M |
| North Hill Branch | Minot , ND | 58703 | $20.7M |
| Schaefer's Foods Branch | Nisswa , MN | 56468 | $18.2M |
| Miltona Branch | Miltona , MN | 56354 | $17.5M |
| Fargo 12th Avenue Branch | Fargo , ND | 58102 | $5.2M |
| Chandler Branch | Chandler , AZ | 85224 | $5.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2023 | Structure Change | Acquired State Bank of Lismore Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2020 | Structure Change | Acquired BlackRidgeBANK Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 2011 | Structure Change | Acquired First Western Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2002 | Structure Change | Acquired Advance Acceptance Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for First Western Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.4% of deposits in ND, rank 11 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 565 applications, 446 loans originated, $152.1M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Western Bank and Trust
What are First Western Bank and Trust's total assets?
As of the Q2 2026 filing, First Western Bank and Trust reported total assets of $2.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Western Bank and Trust headquartered?
First Western Bank and Trust is headquartered in Minot, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Western Bank and Trust founded?
First Western Bank and Trust was established in 1964, per the FDIC institution directory.
Is First Western Bank and Trust FDIC-insured?
Yes. First Western Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #19123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Western Bank and Trust?
First Western Bank and Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Western Bank and Trust operate?
First Western Bank and Trust operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Western Bank and Trust's Texas Ratio?
First Western Bank and Trust's Texas Ratio is 18.78% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Western Bank and Trust previously called?
The charter now named First Western Bank and Trust has also operated as First Western Bank & Trust (1989), First Western Bank of Minot (1982-1989), First Western State Bank of Minot (1972-1982), per FDIC structure-change records.
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