First Western Bank & Trust (FDIC certificate #19123) is based in Minot, North Dakota. Its Q2 2026 call report shows $2.4B in total assets and $2.0B in deposits and 20 offices across 4 states.
Based on its Q2 2026 filing, First Western Bank & Trust scores 55/100, which we describe as moderate. That is higher than only 13% of 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 55th. Its strongest component is problem-loan coverage (70/100; 15.0%), and its lowest is capital cushion (46/100; 9.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (51 → 55), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 47 |
| Q4 2024 | 48 |
| Q1 2025 | 51 |
| Q2 2025 | 51 |
| Q3 2025 | 50 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.81% |
| Q3 2024 | 8.90% |
| Q4 2024 | 9.10% |
| Q1 2025 | 9.43% |
| Q2 2025 | 9.47% |
| Q3 2025 | 9.47% |
| Q4 2025 | 9.54% |
| Q1 2026 | 9.65% |
| Q2 2026 | 9.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.78% |
| Q4 2024 | 1.90% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $2.4B | 9.61% | 1.42% | 0.96% | 96.7% |
| Q1 2026 | 55 | $2.3B | 9.65% | 1.44% | 0.93% | 94.6% |
| Q4 2025 | 54 | $2.3B | 9.54% | 1.43% | 0.84% | 94.6% |
| Q3 2025 | 50 | $2.3B | 9.47% | 1.72% | 0.76% | 97.0% |
| Q2 2025 | 51 | $2.2B | 9.47% | 1.68% | 0.68% | 94.2% |
| Q1 2025 | 51 | $2.2B | 9.43% | 1.70% | 0.66% | 92.5% |
| Q4 2024 | 48 | $2.2B | 9.10% | 1.90% | 0.54% | 91.3% |
| Q3 2024 | 47 | $2.2B | 8.90% | 1.78% | 0.48% | 92.1% |
| Q2 2024 | 48 | $2.2B | 8.81% | 1.57% | 0.40% | 93.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| Starion BankBank Bismarck, ND | 56 out of 100, Moderate | $2.1B | 9.4% | 1.45% | vs |
| Cornerstone BankBank Fargo, ND | 47 out of 100, Below average | $1.9B | 9.6% | 2.35% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |
| Bank ForwardBank Fargo, ND | 70 out of 100, Strong | $1.1B | 10.2% | 0.67% | vs |
| Border BankBank Fargo, ND | 57 out of 100, Moderate | $1.1B | 9.1% | 1.07% | vs |
Deposit insurance
Is my money safe at First Western Bank & Trust?
Yes. First Western Bank & Trust is an FDIC-insured institution (FDIC certificate #19123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.1% of deposits ($119.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
20 locations
Branches
First Western Bank & Trust lists 19 offices in 14 cities across 4 states. Most locations:
- Minot, ND (3)
- Bismarck, ND (2)
- Fargo, ND (2)
- Nisswa, MN (2)
- Alexandria, MN (1)
- Baxter, MN (1)
- Carlos, MN (1)
- Chandler, AZ (1)
- Crosslake, MN (1)
- Eden Prairie, MN (1)
- Lismore, MN (1)
- Miltona, MN (1)
HMDA 2025
Mortgage lending
In 2025, First Western Bank & Trust reported 564 home-loan applications under HMDA (LEI 5493005A0757T9GRRI44): 446 originated ($152,090,000 total), 26 denied, and 86 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Western Bank & Trust
- Former names
- First Western State Bank of Minot; First Western Bank of Minot
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 19123
- RSSD ID
- 687951
- Primary regulator
- FED
- Holding company
- Westbrand Inc
- Established
- May 11, 1964
- Headquarters
- 900 S Broadway, Minot, ND 58701
- Website
- www.firstwestern.bank
- Employees
- 347
Quick answers
First Western Bank & Trust: common questions
Is First Western Bank & Trust FDIC insured?
Yes. First Western Bank & Trust is an FDIC-insured institution (FDIC certificate #19123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Western Bank & Trust's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Western Bank & Trust ever failed?
There is no failure record for FDIC certificate #19123 in the FDIC failed bank list.
How many branches does First Western Bank & Trust have?
20 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Minot
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Affinity First Federal Credit UnionCredit union Minot, ND | 88 out of 100, Very strong | $70.8M | 13.8% | 0.30% | vs |
| Aspire Community Federal Credit UnionCredit union Minot, ND | 87 out of 100, Very strong | $181.6M | 15.6% | 0.41% | vs |
| Peoples State Bank of VelvaBank Velva, ND | 73 out of 100, Strong | $210.0M | 9.3% | 0.10% | vs |
| Tel-U-Watt Federal Credit UnionCredit union Minot, ND | 70 out of 100, Strong | $5.6M | 9.1% | 0.00% | vs |
| Minot Area Schools Federal Credit UnionCredit union Minot, ND | 69 out of 100, Moderate | $14.8M | 9.0% | 0.06% | vs |
| Credit Union 1Credit union Lombard, IL | 68 out of 100, Moderate | $2.9B | 10.9% | 1.35% | vs |