# FIRST WESTERN TRUST BANK
SCOTTSDALE, AZ · FDIC certificate 58717 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $79.0M | |
| Deposits | $68.2M | |
| Loans and leases | $59.4M | |
| Total equity | $10.6M | |
| Loans / deposits | 85.84% (p79 of band) | 71.80% |
| Liquid assets / assets | 23.61% (p28 of band) | |
| Uninsured deposits / deposits | 27.05% (p96 of band) | 7.92% |
| Brokered deposits | 13.09% | |
| Wholesale funding | 13.09% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.14% (p86 of band) | 9.80% |
| Unrealized securities loss / equity | 1.35% (p36 of band) | 2.62% |
| AOCI / equity | 0.20% (p29 of band) | |
| ROA (annualized) | -0.21% (p14 of band) | 0.68% |
| Net interest margin | 4.07% (p64 of band) | 3.84% |
| Efficiency ratio | 99.89% (p89 of band) | |
| Noncurrent loans | 0.52% (p27 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 258.31% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 15.20% (p46 of band) | |
| Auto loans | $3,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 10 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90 |  |
| 2011-06 | 2 |  | wholesale funding >15%, expense ratio p90 |

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

- 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
- 2025-07-02 [First Western Trust Financial, Inc. (advertisement) - Jackson Hole News&Guide](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNSUNURzV6TUZ4VDU1RGVsVkZ3YzA0dDlXbDlaOW9BdlBLSGlXdDFQMFBIejJHdFN5dXhOMlkyN1ZRbk1JNDJmR3JjWDBYOE5sYi1MeTN3eDVmQ0E4UVUtanJKV1U1NVludGNwbGd3cDBYUkt0N3ZyOENTUUdtLWYzOWdYdnRXUW9kM05FZS16U1VEdjduTHIteWVFQ2p4SmlVRlZzUXNFVXJMZnJhcmhsYVhHZDhPWmJfbUxlUl9oRnIxT2pUUDJSSkhVS3RJaUozTE4xYmlhTUNKeXBKWTVBQmZmYmlOUQ?oc=5) · Jackson Hole News&amp;Guide
- 2023-09-28 [Zenith Bank & Trust set to open in Phoenix after gaining federal approval - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNaEJHbVhsTFpORlJFUWhxcWdIdHFZZVdRdkIySE4xNmp2Vmp5VEZubWFEZ0FualMtVXpKNTNmV1FwQmR0VjlQVnE0ZldKd2dTdmhqTC1oSXVJclotTC14OTRQT25jNldVMHZvMlcwVEVVYllaWGU2eDcwTGlQdzh3MmhBWFJGQ1VobmNjbDFxVm9VRXNpc3BEaWdyQW5LZw?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
- 2021-08-18 [First Western Trust Hires Chuck Watts as Regional President for Arizona - Yahoo Finance](https://news.google.com/rss/articles/CBMigwFBVV95cUxOREljSDZwa2Zkdlc0NW55S0FUZjVsTlh1UmhJNFFuR3N1Y0cyQ1M2QXBibzhWWlJmZnlrZTFuczg3UmxTck1EQlFzaG9EWXZsVkRlbXpYTi1RQm5UaTd4SVZhWXFfVjJDLTUwd3pxMEFQWFhLMTU1MUJpMFNseVQtOTRzUQ?oc=5) · Yahoo Finance
- 2022-02-14 [Julie A. Courkamp Appointed Chief Operating Officer of First Western Financial - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxPZEhTM3J4VVFob09kQ2pXdkFyZjdsSjgxU0JYbXRFUXpIZDV0MUFiWHh6cS1uRUl6SS16SUdmeG96TzBsSld2dXFIWGtvakdVUzdlYk9EdkpFanNRQVFxeVprY1dlcmhxc1dKVEY2RkRSOTZNdm1IU1h2NVVlejNmZXVaZ2xpM0hKTnM2ZnRKZHBYWWtjcTE2UjhQbENGb241by1VRkJSdVFzN0JaVFAyVGpHX0huY2M?oc=5) · citybiz
- 2021-07-28 [Bank merger occurs amid stiff competition - Jackson Hole News&Guide](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOQ2lydV9aZ1JzR0FGWW4tZlRyd0lRakxweHdHQ1U5WW9jcFFWeXBFak5lTlE1Z0xDTUF6WGgtWVNicEwwdXV2VUowb3dnek5pMmRUWVczSVFUeS1RR3FLdmxvWkVPNE42UDhBZ0xRODRTUW9EM0EyTjEyVWtiQzY3dkNVWXlxVGdfb04taVpQeWh0ZzdMSjlpV3dJdmpuSEFGQk4yVlNpdDFEa09JQTZ4Rk5CWmxhcU92c041RWFnLUFWai1PVlB3T0xwN21zb0h2cVE?oc=5) · Jackson Hole News&amp;Guide

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58717 (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/29.json (key "58717", 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