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First Western Bank & Trust

$1B-$10B Specialty: Commercial ND FDIC cert 19123

Minot, ND

20 branches across MN · ND · AZ · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +4.3% year over year ($2.0B on the books).
  • Delinquency rate 1.44%.
  • Return on assets 0.96%.
  • Efficiency ratio 65.18% vs a 59.73% peer average.
  • Loan-to-deposit ratio 96.70% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

First Western Bank & Trust has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.0% in tier
  • - Liquidity Strain: Bottom 48.8% in tier
  • - Nonperforming Asset Ratio 1.08% above tier average
  • - ROA 0.43% below tier average
  • - Efficiency Ratio 5.45% above tier average
  • - Delinquency Rate 0.57% above tier average
Get updates when First Western Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $2.4B
+6.3% YoY +2.7% QoQ
-$407.0M $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $1.9B
+7.0% YoY +2.4% QoQ
-$64.8M $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $2.0B
+4.3% YoY +0.2% QoQ
-$355.7M $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 0.96%
+41.8% YoY +3.1% QoQ
-0.43% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.92%
+13.9% YoY +2.9% QoQ
+0.05% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 65.18%
-7.7% YoY +0.3% QoQ
+5.45% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 1.44%
-15.3% YoY -1.0% QoQ
+0.57% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 96.70%
+2.6% YoY +2.2% QoQ
+11.66% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.24%
+0.7% YoY +5.1% QoQ
-3.03% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 1.75%
+8.9% YoY -2.3% QoQ
+1.08% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Bottom 7.6% in tier
Tier 1 Capital Ratio ? 9.61%
-7.0% YoY -0.4% QoQ
-5.23% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 2.6% in tier
Non-Interest Income / Assets ? 0.43%
-4.3% YoY +85.0% QoQ
-0.10% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 18.2%
+0.1pp YoY
+0.9pp QoQ
 -3.1pp 21.4% 21.6% 22.2% 41%
Brokered Deposits 6.1%
+1.3pp YoY
+0.8pp QoQ
 -3.4pp 9.5% 6.0% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 16.5%
+0.1pp YoY
+0.6pp QoQ
 +2.5pp 14.0% 12.9% 12.5% 71%
CRE 44.5%
+0.2pp YoY
0.0pp QoQ
 -5.5pp 50.0% 29.0% 41.4% 34%
1-4 Family 15.1%
-0.8pp YoY
0.0pp QoQ
 -11.3pp 26.4% 12.3% 31.3% 31%
Consumer 2.2%
-0.5pp YoY
-0.1pp QoQ
 -2.6pp 4.7% 4.5% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.3% 19.7% n/a
Leverage Ratio 9.6%
+0.1pp YoY
0.0pp QoQ
 -1.7pp 11.3% 10.7% 12.6% 25%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 347
+2 (+0.6%) YoY
+6 (+1.8%) QoQ
 +33 313 138 482 72%
Assets per Employee ($) $6.9M
+5.7% YoY
+0.9% QoQ
 -$3.6M $10.5M $8.3M $8.8M 22%
Branch Count 20
+1 (+5.3%) YoY
0 QoQ
 -0 20 7 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.5% 0.4% 75%
Nonaccrual 1.4%
-0.2pp YoY
-0.1pp QoQ
 +0.5pp 0.8% 0.7% 1.0% 83%
Allowance Coverage 0.72x
+3.5% YoY
-4.3% QoQ
 -17.99x 18.71x 73.79x 20.23x 13%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.1pp QoQ
 0.0pp 0.3% 0.1% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 8.9%
+2.4pp YoY
+0.3pp QoQ
 -3.7pp 12.6% 16.0% 11.6% 25%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.7% 1.7% 79%
Net Income ($, YTD) $11.3M
+49.3% YoY
— QoQ
 -$8.0M $19.2M $7.0M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#52 of 222 • Bottom 23.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.61%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#177 of 361 • Bottom 48.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.70%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

863
Tier 1 Capital Ratio
capital
Value: 9.61%
Peer Median: 14.84%
#863 of 885 Bottom 2.6% in $1B-$10B
819
Nonperforming Asset Ratio
credit_quality
Value: 1.75%
Peer Median: 0.67%
#819 of 885 Bottom 7.6% in $1B-$10B
727
Delinquency Rate
credit_quality
Value: 1.44%
Peer Median: 0.87%
#727 of 882 Bottom 17.7% in $1B-$10B
697
Loan-to-Deposit Ratio
liquidity
Value: 96.70%
Peer Median: 85.04%
#697 of 885 Bottom 21.4% in $1B-$10B
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