BlastPoint's Banking Scorecard
First Western Bank & Trust
Designations: ✓ Community bank
Minot, ND
20 branches across MN · ND · AZ · SD
First Western Bank & Trust faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18.5% in tier
- - Liquidity Strain: Bottom 34.1% in tier
- - Nonperforming Asset Ratio 1.12% above tier average
- - ROA 0.43% below tier average
- - Efficiency Ratio 3.95% above tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+5.6% YoY
+0.7% QoQ
|
-$491.7M |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$1.9B
+6.1% YoY
+1.6% QoQ
|
-$110.8M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$2.0B
+3.7% YoY
+1.5% QoQ
|
-$383.8M |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.93%
+42.5% YoY
+11.6% QoQ
|
-0.43% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.81%
+14.4% YoY
+4.3% QoQ
|
-0.01% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
65.01%
-8.3% YoY
-4.4% QoQ
|
+3.95% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
1.45%
-15.5% YoY
+0.9% QoQ
|
+0.57% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
94.62%
+2.3% YoY
+0.1% QoQ
|
+10.42% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
17.36%
-0.2% YoY
-4.7% QoQ
|
-3.93% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.79%
+9.5% YoY
+0.8% QoQ
|
+1.12% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.9% in tier |
| Tier 1 Capital Ratio ? |
9.65%
-5.9% YoY
+1.2% QoQ
|
-5.51% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.3% in tier |
| Non-Interest Income / Assets ? |
0.23%
-1.0% YoY
-72.1% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.