TellerScore

First Western Trust Bank (FDIC certificate #57607) is based in Denver, Colorado. Its Q2 2026 call report shows $3.2B in total assets and $2.9B in deposits and 15 offices across 4 states.

First Western Trust Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 63 banks headquartered in Colorado, it ranks 56th. Problem-loan coverage contributes the most (90/100, 4.8%); funding & liquidity contributes the least (37/100, 95% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.22%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 95.2% · 40.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.85%

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 2 points (56 → 58), mostly because the earnings component improved by 12 points.

TellerScore
445158Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202452
Q4 202452
Q1 202558
Q2 202556
Q3 202553
Q4 202554
Q1 202655
Q2 202658
Tier 1 leverage ratio
5.00%7.25%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20249.11%
Q4 20248.94%
Q1 20259.24%
Q2 20259.49%
Q3 20258.59%
Q4 20258.79%
Q1 20269.01%
Q2 20269.22%
Noncurrent loans
0.52%1.02%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.52%
Q3 20240.63%
Q4 20240.53%
Q1 20250.52%
Q2 20250.56%
Q3 20250.74%
Q4 20250.62%
Q1 20260.85%
Q2 20260.60%
Return on assets
0.37%0.61%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.37%
Q4 20240.40%
Q1 20250.66%
Q2 20250.54%
Q3 20250.52%
Q4 20250.51%
Q1 20260.86%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.2B9.22%0.60%0.83%95.2%
Q1 202655$3.2B9.01%0.85%0.86%94.7%
Q4 202554$3.2B8.79%0.62%0.51%96.9%
Q3 202553$3.2B8.59%0.74%0.52%90.7%
Q2 202556$3.0B9.49%0.56%0.54%100.3%
Q1 202558$2.9B9.24%0.52%0.66%95.5%
Q4 202452$2.9B8.94%0.53%0.40%96.1%
Q3 202452$2.9B9.11%0.63%0.37%94.3%
Q2 202444$2.9B8.95%1.52%0.37%101.0%

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).

Capital ratio9.22%
17th
Total risk-based capital12.20%
34th
Problem loans0.60%
44th
Net charge-offs-0.00%
88th
Return on assets0.83%
20th
Net interest margin2.90%
12th
Efficiency ratio73.3%
16th
Loans to deposits95.2%
25th
Uninsured deposits40.1%
27th
Loan-loss reserves0.74%
12th
Texas ratio4.8%
39th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
ANB BankBank Denver, CO64 out of 100, Moderate$2.9B9.5%0.37%vs
Colorado Federal Savings BankBank Greenwood Village, CO63 out of 100, Moderate$2.3B10.5%0.50%vs
Solera National BankBank Lakewood, CO63 out of 100, Moderate$1.6B8.6%1.45%vs
Fortis BankBank Denver, CO58 out of 100, Moderate$1.4B9.0%0.49%vs
Alpine BankBank Glenwood Springs, CO73 out of 100, Strong$6.7B11.0%0.31%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs

Deposit insurance

Is my money safe at First Western Trust Bank?

Yes. First Western Trust Bank is an FDIC-insured institution (FDIC certificate #57607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.1% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.20% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

First Western Trust Bank lists 14 offices in 13 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Western Trust Bank reported 1,253 home-loan applications under HMDA (LEI 254900KI7219LQKCI772): 974 originated ($636,880,000 total), 7 denied, and 219 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.7%, 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 Trust Bank
Type
State-chartered bank
FDIC certificate #
57607
RSSD ID
3158546
Primary regulator
FDIC
Holding company
First Western Financial Inc
Established
March 17, 2004
Headquarters
1900 16th St, Denver, CO 80202
Employees
335

Quick answers

First Western Trust Bank: common questions

Is First Western Trust Bank FDIC insured?

Yes. First Western Trust Bank is an FDIC-insured institution (FDIC certificate #57607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Western Trust Bank's TellerScore?

58 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 Trust Bank ever failed?

There is no failure record for FDIC certificate #57607 in the FDIC failed bank list.

How many branches does First Western Trust Bank have?

15 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Denver

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs