BlastPoint's Banking Scorecard
First Western Bank & Trust
Community
Specialty: Commercial
ND
FDIC cert 19123
Minot, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
First Western Bank & Trust faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22% in Community
- - Capital Thin: Bottom 42% in Community
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.0% YoY
+1.3% QoQ
|
+$916.9M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.8B
+3.5% YoY
+1.2% QoQ
|
+$849.3M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.9B
-0.0% YoY
+3.8% QoQ
|
+$765.1M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.84%
+54.2% YoY
+10.4% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.66%
+20.5% YoY
+1.6% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
67.98%
-8.5% YoY
-0.8% QoQ
|
+5.35% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
1.44%
-25.1% YoY
-17.0% QoQ
|
+0.81% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
94.56%
+3.5% YoY
-2.5% QoQ
|
+11.50% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
18.22%
-0.4% YoY
-3.2% QoQ
|
-2.83% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.78%
+11.7% YoY
-13.1% QoQ
|
+1.28% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.83%
+0.4% YoY
+29.0% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#113 of 513 · Bottom 22% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.56%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#181 of 432 · Bottom 42% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.78%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.56% · Tier avg: 83.06%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
32
32th pctile
Efficiency Ratio
Current: 67.98% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
17
17th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Efficiency Ratio
Current: 67.98% · Tier avg: 62.63%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.56% · Tier avg: 83.06%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M