BlastPoint's Banking Scorecard
First Western Trust Bank
Denver, CO
15 branches across CO · WY · AZ · CA · MT
First Western Trust Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 36.1% in tier
- - ROA 0.51% below tier average
- - Net Interest Margin 0.97% below tier average
- - Efficiency Ratio 11.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+11.6% YoY
+2.8% QoQ
|
+$423.1M |
$2.8B
-0.1% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$2.7B
+11.6% YoY
+1.1% QoQ
|
+$732.9M |
$2.0B
+0.6% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$2.8B
+12.5% YoY
+3.5% QoQ
|
+$506.7M |
$2.3B
-0.3% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.86%
+29.4% YoY
+68.6% QoQ
|
-0.51% |
1.37%
+19.6% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
2.85%
+6.8% YoY
+5.2% QoQ
|
-0.97% |
3.82%
+6.9% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio ? |
72.24%
-4.9% YoY
-5.6% QoQ
|
+11.18% |
61.06%
-4.6% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.85%
+62.0% YoY
+37.7% QoQ
|
-0.03% |
0.89%
+14.1% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
94.66%
-0.9% YoY
-2.3% QoQ
|
+10.45% |
84.20%
+0.3% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
13.63%
-19.1% YoY
+6.4% QoQ
|
-7.66% |
21.29%
-2.5% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.71%
+20.5% YoY
+14.4% QoQ
|
+0.04% |
0.67%
+15.6% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
11.33%
-3.6% YoY
+1.6% QoQ
|
-3.83% |
15.16%
+2.0% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.25%
-8.9% YoY
-73.4% QoQ
|
-0.01% |
0.26%
+1.6% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.