First Western Trust Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Western Trust Bank is the primary bank subsidiary of its parent holding company, headquartered in Denver, CO. Profitability tracks the broader industry: ROA 0.81%, ROE 8.16%, NIM 3.00%. First Western Trust's Q2 2026 balance sheet shows $3.2B in assets funded primarily by $2.9B in customer deposits. Capital cushions are healthy: 11.37% CET1, 9.22% Tier 1 leverage. Asset quality is solid, 0.63% nonperforming loans and a 5.64% Texas Ratio. Its footprint covers 15 branches concentrated in Colorado.
As of June 30, 2026, First Western Trust Bank reported a CET1 capital ratio of 11.37%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.63%, a Texas ratio of 5.64%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1900 16th St, Denver, CO 80202
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 2004
- Offices
- 15 domestic
- Employees (FTE)
- 335
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $20.3M
- Net charge-offs (YTD)
- -$24K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 17, 2004
- FDIC Cert
- 57607
- Fed RSSD
- 3158546
- SEC CIK
- 1327607 → filed by FIRST WESTERN FINANCIAL, INC.
- Website
- www.myfw.com →
- Parent Holding Company
- FIRST WESTERN FINANCIAL, INC. (RSSD 3189906) · MYFW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Wylie Scott C | CEO | CHAIRMAN, CEO AND PRESIDENT |
| Weber David R. | CFO | Chief Financial Officer |
| Courkamp Julie A | COO | CHIEF OPERATING OFFICER |
| Ensmann Eric E. | CRO | Chief Risk Officer |
| Lawley Scott J | CCO | CHIEF CREDIT OFFICER |
| Sawyer John Emery | CIO | CHIEF INVESTMENT OFFICER |
Profitability
Capital & Liquidity
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.
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 Trust Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Western Trust Bank, 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Western Trust Bank 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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.37% | 0.81% | 0.63% | 5.64% | 3.00% |
| Q1 2026 | 11.33% | 0.88% | 0.63% | 8.05% | 2.87% |
| Q4 2025 | 11.15% | 0.49% | 1.50% | 14.99% | 2.81% |
| Q3 2025 | 11.20% | 0.48% | 0.74% | 8.67% | 2.64% |
| Q2 2025 | 11.36% | 0.44% | 0.60% | 7.08% | 2.74% |
| Q1 2025 | 11.76% | 0.68% | 0.56% | 6.60% | 2.69% |
| Q4 2024 | 11.41% | 0.48% | 0.57% | 18.55% | 2.58% |
| Q3 2024 | 11.39% | 0.38% | 0.70% | 20.32% | 2.42% |
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 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Western Trust Bank (main office) | Denver , CO | 80202 | $1.21B |
| First Western Trust Bank Northern Colorado Branch | Fort Collins , CO | 80528 | $548.3M |
| First Western Trust Bank Boulder Branch | Boulder , CO | 80302 | $188.9M |
| First Western Trust Bank Cherry Creek Branch | Denver , CO | 80206 | $170.7M |
| West Broadway - Jackson Branch | Jackson , WY | 83001 | $161.3M |
| First Western Trust Bank Dtc Cherry Hills Branch | Englewood , CO | 80111 | $132.6M |
| Pinedale Branch | Pinedale , WY | 82941 | $91.3M |
| First Western Trust Bank Scottsdale Branch | Scottsdale , AZ | 85253 | $86.1M |
| Rock Springs Branch | Rock Springs , WY | 82901 | $67.0M |
| First Western Trust Bank Vail Valley Branch | Avon , CO | 81620 | $64.6M |
| First Western Trust Bank Phoenix Branch | Phoenix , AZ | 85016 | $43.5M |
| First Western Trust Bank - Broomfield Branch | Broomfield , CO | 80021 | $37.9M |
| First Western Trust Bank Aspen Branch | Aspen , CO | 81611 | $26.7M |
| First Western Trust Bank - Bozeman Branch | Bozeman , MT | 59715 | $22.8M |
| First Western Trust Bank Century City Branch | Los Angeles , CA | 90067 | $0 |
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 |
|---|---|---|---|
| January 1, 2022 | M&A | merger | SEC |
| January 1, 2022 | Structure Change | Acquired Rocky Mountain Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2011 | M&A | merger | SEC |
| September 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2011 | Structure Change | Acquired First Western Trust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 Trust Bank, 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
- 1.3% of deposits in CO, rank 16 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,275 applications, 974 loans originated, $636.9M originated, across 42 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 Trust Bank
What are First Western Trust Bank's total assets?
As of the Q2 2026 filing, First Western Trust Bank reported total assets of $3.24 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Western Trust Bank headquartered?
First Western Trust Bank is headquartered in Denver, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Western Trust Bank founded?
First Western Trust Bank was established in 2004, per the FDIC institution directory.
Is First Western Trust Bank FDIC-insured?
Yes. First Western Trust Bank is an FDIC-insured commercial bank (FDIC Certificate #57607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Western Trust Bank?
First Western Trust Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Western Trust Bank's CET1 capital ratio?
First Western Trust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Western Trust Bank operate?
First Western Trust Bank operates 15 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 Trust Bank's Texas Ratio?
First Western Trust Bank's Texas Ratio is 5.64% 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.
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