BlastPoint's Banking Scorecard
First Western Trust Bank
Community
Specialty: Commercial
CO
FDIC cert 57607
Denver, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
First Western Trust Bank 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
- - Credit Risk Growth: Bottom 46% in Community
- - NIB Deposit Bleed: Bottom 47% in Community
- - Net Interest Margin 0.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+8.2% YoY
-2.6% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.7B
+9.7% YoY
+3.0% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.8B
+8.8% YoY
-3.6% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.51%
+28.7% YoY
-1.2% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.71%
+10.3% YoY
+2.1% QoQ
|
-0.96% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
76.50%
-7.3% YoY
+0.5% QoQ
|
+13.87% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.62%
+15.8% YoY
-16.7% QoQ
|
-0.01% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
96.91%
+0.8% YoY
+6.8% QoQ
|
+13.84% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
12.81%
-17.5% YoY
-4.5% QoQ
|
-8.24% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.62%
-63.0% YoY
-15.1% QoQ
|
+0.12% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
11.15%
-2.2% YoY
-0.4% QoQ
|
+0.91% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.94%
-13.8% YoY
+29.8% QoQ
|
+0.20% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#296 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#42 of 89 · Bottom 47% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
12.81%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
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
95
95th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
84
84th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%
82
82th pctile
Loan-to-Deposit Ratio
Current: 96.91% · Tier avg: 83.06%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.15% · Tier avg: 10.24%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.81% · Tier avg: 21.05%
14
14th pctile
Efficiency Ratio
Current: 76.50% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.50% · Tier avg: 62.63%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.81% · Tier avg: 21.05%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.15% · Tier avg: 10.24%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
82
82th pctile
Loan-to-Deposit Ratio
Current: 96.91% · Tier avg: 83.06%
84
84th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
95
95th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M