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First Western Trust Bank
Denver, CO·FDIC Cert #57607·Charter: STATE·Est. 20040317.0·HC: FIRST WESTERN FINANCIAL INC
Total Assets
$3.2B
Q4 2025
Return on Assets
0.51%
-0.01%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
76.50%
Peer avg: 57.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.51%-0.01
ROE
5.33%-0.06
Efficiency
76.50%+0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.62%-0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.91%+6.17
Charge-offs
0.07%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.4 | 0.4 | 0.7 | 0.5 | 0.5 | 0.5 |
| ROE | 4.8 | 4.0 | 4.0 | 4.2 | 6.8 | 5.5 | 5.4 | 5.3 |
| Efficiency | 81.4 | 81.4 | 82.1 | 82.6 | 76.0 | 76.7 | 76.1 | 76.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 1.5 | 0.6 | 0.5 | 0.5 | 0.6 | 0.7 | 0.6 |
| Charge-offs | 0.0 | -0.0 | 0.5 | 0.4 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 96.4 | 101.0 | 94.3 | 96.1 | 95.5 | 100.3 | 90.7 | 96.9 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.8B
Total Loans$2.7B
Total Equity$299.7M
Profitability
ROA0.51%
ROE5.33%
Efficiency Ratio76.50%
Net Income$15.5M
Risk & Asset Quality
NPL Ratio0.62%
Charge-off Rate0.07%
Loan/Deposit96.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans