BlastPoint's Banking Scorecard

First Western Trust Bank

$1B-$10B Specialty: Commercial CO FDIC cert 57607

Denver, CO

15 branches across CO · WY · AZ · CA · MT

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 7 in CO.
Deposits +12.5% year over year ($2.9B on the books).
Delinquency rate 0.60%.
Return on assets 0.83%.
Efficiency ratio 73.32% vs a 59.73% peer average.
Loan-to-deposit ratio 95.17% 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 7 in CO

View $1B-$10B leaderboard (CO) →

First Western Trust Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.6% in tier
- Liquidity Strain: Bottom 38.5% in tier
- ROA 0.57% below tier average
- Net Interest Margin 0.97% below tier average
- Efficiency Ratio 13.59% above tier average

Get updates when First Western Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$3.2B +7.1% YoY -0.1% QoQ	+$443.5M	$2.8B -0.6% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$2.7B +6.7% YoY +0.7% QoQ	+$753.0M	$2.0B -0.3% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$2.9B +12.5% YoY +0.1% QoQ	+$535.2M	$2.3B -0.5% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.83% +53.6% YoY -4.0% QoQ	-0.57%	1.39% +17.0% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	2.90% +9.7% YoY +1.8% QoQ	-0.97%	3.87% +6.2% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Bottom 11.8% in tier
Efficiency Ratio ?	73.32% -4.5% YoY +1.5% QoQ	+13.59%	59.73% -12.6% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	15%
Delinquency Rate ?	0.60% +6.2% YoY -29.7% QoQ	-0.26%	0.87% +11.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	95.17% -5.2% YoY +0.5% QoQ	+10.13%	85.04% -0.1% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	13.66% -6.1% YoY +0.2% QoQ	-7.61%	21.27% -1.5% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.50% -18.9% YoY -29.1% QoQ	-0.17%	0.67% +11.7% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	11.37% +0.1% YoY +0.3% QoQ	-3.47%	14.84% -0.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.49% -4.6% YoY +96.3% QoQ	-0.04%	0.53% +2.5% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	80%

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 (CO)	National Avg	Tier Percentile
Noninterest-Bearing	13.7% -0.9pp YoY 0.0pp QoQ	-7.7pp	21.4%	23.5%	22.2%	21%
Brokered Deposits	12.3% -8.2pp YoY -0.4pp QoQ	+2.8pp	9.5%	7.4%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	10.3% -1.5pp YoY -1.2pp QoQ	-3.7pp	14.0%	8.4%	12.5%	46%
CRE	43.5% +0.3pp YoY -0.3pp QoQ	-6.5pp	50.0%	42.8%	41.4%	32%
1-4 Family	41.1% +0.6pp YoY +0.3pp QoQ	+14.6pp	26.4%	33.0%	31.3%	83%
Consumer	5.0% 0.0pp YoY +0.4pp QoQ	+0.3pp	4.7%	3.9%	5.0%	82%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	11.4% 0.0pp YoY 0.0pp QoQ	-4.2pp	15.6%	24.9%	19.7%	15%
Leverage Ratio	9.2% -0.3pp YoY +0.2pp QoQ	-2.1pp	11.3%	12.5%	12.6%	17%
Total Capital Ratio	12.2% +0.1pp YoY 0.0pp QoQ	-4.5pp	16.7%	26.1%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	335 +22 (+7.0%) YoY +5 (+1.5%) QoQ	+21	313	107	482	70%
Assets per Employee ($)	$9.7M +0.1% YoY -1.6% QoQ	-$820K	$10.5M	$7.8M	$8.8M	62%
Branch Count	15 0 YoY 0 QoQ	-5	20	7	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp QoQ	-0.2pp	0.2%	0.7%	0.4%	16%
Nonaccrual	0.6% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.8%	0.8%	1.0%	56%
Allowance Coverage	1.24x -5.7% YoY +37.8% QoQ	-17.47x	18.71x	12.16x	20.23x	31%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	8.6% +3.1pp YoY -0.4pp QoQ	-4.0pp	12.6%	9.7%	11.6%	23%
Cost of Funds (YTD)	2.5% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.9%	1.7%	1.7%	86%
Net Income ($, YTD)	$13.2M +67.3% YoY — QoQ	-$6.0M	$19.2M	$5.4M	$40.4M	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Credit Risk Growth

risk

#104 of 402 • Bottom 25.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#140 of 361 • Bottom 38.5% 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: 95.17%

(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 improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

181

Non-Interest Income / Assets

revenue_mix

Value: 0.49%

Peer Median: 0.53%

#181 of 885 Top 20.3% in $1B-$10B

186

Total Loans

size

Value: $2.72B

Peer Median: $1.96B

#186 of 885 Top 20.9% in $1B-$10B

218

Total Deposits

size

Value: $2.85B

Peer Median: $2.32B

#218 of 885 Top 24.5% in $1B-$10B

Top Weaknesses (5 metrics)

782

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.87%

#782 of 885 Bottom 11.8% in $1B-$10B

749

Efficiency Ratio

profitability

Value: 73.32%

Peer Median: 59.73%

#749 of 885 Bottom 15.5% in $1B-$10B

715

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.39%

#715 of 885 Bottom 19.3% in $1B-$10B

693

Non-Interest-Bearing Deposit Share

funding

Value: 13.66%

Peer Median: 21.27%

#693 of 885 Bottom 21.8% in $1B-$10B

675

Tier 1 Capital Ratio

capital

Value: 11.37%

Peer Median: 14.84%

#675 of 885 Bottom 23.8% in $1B-$10B