# FIRST WESTERN TRUST BANK
DENVER, CO · FDIC certificate 57607 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.24B | |
| Deposits | $2.85B | |
| Loans and leases | $2.74B | |
| Total equity | $316.6M | |
| Loans / deposits | 95.17% (p75 of band) | 87.10% |
| Liquid assets / assets | 11.80% (p10 of band) | |
| Uninsured deposits / deposits | 40.05% (p74 of band) | 30.76% |
| Brokered deposits | 10.81% | |
| Wholesale funding | 11.94% (p71 of band) | |
| FHLB advances / assets | 1.13% | |
| Tier 1 leverage | 9.22% (p18 of band) | 10.50% |
| Unrealized securities loss / equity | -1.55% (p84 of band) | -7.75% |
| AOCI / equity | 0.70% (p95 of band) | |
| ROA (annualized) | 0.83% (p20 of band) | 1.26% |
| Net interest margin | 2.90% (p12 of band) | 3.70% |
| Efficiency ratio | 73.32% (p85 of band) | |
| Noncurrent loans | 0.60% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 124.25% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 61.88% (p64 of band) | |
| Auto loans | $51,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $21.1M (7% of equity) (p85 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 335 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, losing money, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 | losing money |
| 2011-09 | 5 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2011-12 | 4 | losing money | loans exceed deposits, liquid assets <10% |
| 2012-03 | 3 | capital falling | reserve under noncurrent, losing money |
| 2012-06 | 7 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2012-09 | 5 |  | capital falling, leverage <7% |
| 2012-12 | 3 |  | wholesale funding >15%, losing money |
| 2013-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking | brokered >10% |
| 2013-06 | 5 | liquid assets <10% | reserve under noncurrent |
| 2013-09 | 3 |  | charge-offs p90, liquid assets <10% |
| 2013-12 | 2 | capital falling | expense ratio p90, assets shrinking |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 4 | brokered >10%, wholesale funding >15%, expense ratio p90 |  |
| 2014-09 | 2 |  | capital falling, wholesale funding >15% |
| 2014-12 | 2 | reserve under noncurrent | brokered >10% |
| 2015-03 | 4 | wholesale funding >15%, capital falling |  |
| 2015-06 | 4 | loans exceed deposits, liquid assets <10% | reserve under noncurrent, capital falling |
| 2015-09 | 5 | uninsured deposits >50%, run vulnerability | wholesale funding >15% |
| 2015-12 | 4 | brokered >10%, capital falling, reserve under noncurrent | loans exceed deposits, liquid assets <10%, uninsured deposits >50%, run vulnerability |
| 2016-03 | 5 | uninsured deposits >50%, run vulnerability | brokered >10% |
| 2016-06 | 3 |  | expense ratio p90, reserve under noncurrent |
| 2016-09 | 4 | expense ratio p90, reserve under noncurrent | capital falling |
| 2016-12 | 3 |  | reserve under noncurrent |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 | liquid assets <10% | uninsured deposits >50%, run vulnerability |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | liquid assets <10% |
| 2018-09 | 3 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | uninsured deposits >50%, run vulnerability | noncurrent p90 |
| 2019-06 | 3 |  | reserve under noncurrent |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 1 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2020-06 | 2 | loans exceed deposits, wholesale funding >15% | expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | liquid assets <10%, capital falling |  |
| 2021-03 | 3 | uninsured deposits >50%, run vulnerability | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 3 | construction >100% equity | uninsured deposits >50%, run vulnerability |
| 2023-03 | 6 | brokered >10%, wholesale funding >15%, capital falling, uninsured deposits leaving | liquid assets <10% |
| 2023-06 | 5 |  | capital falling |
| 2023-09 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 7 | charge-offs p90 | loans exceed deposits |
| 2024-03 | 7 | capital falling, NIM <2.5% | uninsured deposits leaving, charge-offs p90 |
| 2024-06 | 7 | loans exceed deposits | capital falling |
| 2024-09 | 5 | charge-offs p90 | noncurrent p90, reserve under noncurrent, loans exceed deposits |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | NIM <2.5%, charge-offs p90 |
| 2025-06 | 3 | loans exceed deposits | construction >100% equity |
| 2025-09 | 2 |  | loans exceed deposits |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2026-06 | 1 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-29 [First Western Financial, Inc. Rings the Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMiggFBVV95cUxPai1zdEZCRm0xSE95SEp4X2NlajFmMDVQOEdTRWdlODZEZF9IMUU2VXpvY2hDVVZPZjhrb1g0bFJzMUszNkFZdXpaXy1ER2N3dXBNUGk5YmVMWjVIMGc4VlFaTndKX1Z1NFBheHBDV0EtWWQ0STFOS2cwUzRNRkVVYzJR?oc=5) · Nasdaq
- 2026-07-30 [First Western Trust Rings the Nasdaq Closing Bell Ahead of 25 Years of Serving Wealth Creators - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxNaDNpUENyNWZHUU5Zb1dZMV91aHE2YmxrYTQzNmVEaW1icUtSVENreHN4YWd5eW5qbTZqeDdKYXhMcFRfdnNwZTRNTjFvQkdHLUlmSjlrUDBoM09jYVJMbzhhY2JLa052azZ6bVRRWFFMcldRYzU3d3Rqdk81N2pqd2tVb2ZfcGJ2dE4tV0dTLVpQMGhEaWRvUjhScEFKdw?oc=5) · Yahoo Finance
- 2026-07-30 [First Western Trust Nears 25 Years With 350 Associates - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxOUEJGbVVjRHl1Rkl1bnVmRGF2eVpXczcyY191N3pMYlBBVWJ6OXRaRVFjRU1ZMXpObzVGVHdxd01CeVpiZW9pb2djRlZuV1VTNk9qYnZZdUNSVUliUDFHSkxteVV0eE90cXUyVTA2Wld2N3VwRjN2NlpGUWNkTENnc1ZKSzNaSWtxc2g1QlVZTWRKb1Bla2pVME10ZHI3dllqMHpydXl3Y2ROWndPNDc5TWV1aEtUZWlldTVNeGlTQQ?oc=5) · stocktitan.net
- 2026-07-29 [First Western Financial, Inc. Rings the Nasdaq Stock Market Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMinAFBVV95cUxNR2pOTUFFSGJXNFhKckNsR29iSnJyMDNNZVdqRmt0cWlEWU5hM1ZsOW02QlRQNXI4M0JpMXItQjVsdUgwRUk0WFdhSExuZjJhUlJ6RzBUTWR1NHZ3blZLcWt4c1p4Tnpqc3ppMmp4TWMyUmNTS19fZmVtSHlhSVgzSlg1am92MUZKTW5DaHNSaFJNbFRkQ3oyZEg0alQ?oc=5) · Nasdaq
- 2020-02-11 [First Western acquires all Colorado assets, locations of $17.7B out-of-state bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPLThHdnJHcnF3MmJVd2NXTmdOclJKZ1h5bUR5TEtYc0pYOWltcEpkSXdwTzlJOE1TNGxDRnFZRkJ4UXpvODc3bVA4U2kzekxXNmtBTk1BNHNuZk1zeHNsby10UmxzSHFEQ2Y0YkV0N3dGN1R3a3FNYjduc01aSkJNY0FrM29Nazc2UEpTZjVDckZNTERLbTFsUE9jeVZ1VWc?oc=5) · The Business Journals
- 2021-02-22 [First Western Trust Bank (CO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTHU4YUd5YXVsZEU0QWVJUFNjNTJTVE1Zam1WdGZPRGYzSFRQQ3Buak4xNFVYSlVRNnJkdVBUTXZTbFFpbjNGYzQ1VUdZWlh4dFNQOVY5YWZqUDlhTnBmcDI4cDZwWUpsT3VHd0w1c1ZHSE11TWswRFd6VVRpWGhFdGdDa0ZKYl90QVVkZWhn?oc=5) · SmartAsset
- 2021-10-15 [Rocky Mountain Bank’s Parent Company Announces Merger - SweetwaterNOW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPb2VieFh0QWg3X0V0SVlXNHJqY0JNUkZYSUplb0tFd1R1WEJNbGdWcEg4RFl4ZUp0MUY4NnhudkhSMkxWcHdJblpHc0tnSm1SMHM3X3NOSW9GdlVlNUNqLW03Z2hWTTBlNW01bk53TVowbURVNU4tRWhZUlR4R2ZuVTJpTkpUdS1HVEF3?oc=5) · SweetwaterNOW
- 2023-07-27 [Justin Crowley's referral-driven mortgage success story - mpamag.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQQUJ2c3ktLUd3T3FCWkJSeDN0Tmk5QllwNDN0R2xvbllFa2JVX0dTWUNBY29PbUExaXZxSHpDVmktYWMyX19GY1Y5YVRoZXhXV0pQaTBmWERVQ3pvQ1F6VUZmRGlKV1hOclFjWGJ4XzF5SEtyWDlXZ2I2N1RqMzF3enNIOThfLVpNamM5RWZlT25JLXFQNHZLRGw4Tk9yWjVnNDdEYTYxay1EX3hiek5EVEdDSS05aWYtYkJQMWhn?oc=5) · mpamag.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57607 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "57607", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide