Total Assets
$2.3B
Total balance-sheet footings
FDIC Cert #19123 · Minot, North Dakota · Est. 1964
First Western Bank & Trust - FDIC Bank Health Profile
A community-scale look at First Western Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.3B
- Total assets
- C
- Health grade · Fair
- 0.84%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Western Bank & Trust earns a PlainBankData health grade of C (56/100), with 9.54% Tier 1 capital, 0.84% ROA, 68% efficiency ratio.
- #527
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 9.54%
- Tier 1 ratio - below the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Western Bank & Trust's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Western Bank & Trust's composite health score
Tier 1 Capital Ratio (9.54%) 18/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (9.75%) 16/20
Efficiency Ratio (67.98%) 8/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.9B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Western Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Western Bank & Trust's score of 56/100 falls in the highlighted band.
First Western Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Western Bank & Trust's $2.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.54% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.54%
Texas Ratio
9.75%
Equity Capital
$250M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
7.86%
Efficiency Ratio
67.98%
What the numbers say about First Western Bank & Trust
First Western Bank & Trust is an FDIC-insured institution (Certificate #19123) headquartered in Minot, North Dakota, established in 1964. It holds $2.3B in total assets - 527th of 4,313 FDIC-insured banks, $1.9B in customer deposits, and $1.8B in net loans. Capital-wise, the Tier 1 ratio sits at 9.54%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 9.75%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Western Bank & Trust sits 8th of 61 banks headquartered in North Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$128M
Interest Income
$19M
Non-Interest Income
$65M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Western Bank & Trust reports a Texas Ratio of 9.75% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.75% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Western Bank & Trust (FDIC Cert #19123) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| Starion BankBismarck | $2.1B | B | 0.80% |
Frequently asked questions
What is First Western Bank & Trust's health grade?▼
First Western Bank & Trust receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Western Bank & Trust?▼
First Western Bank & Trust holds $2.3B in total assets and $1.9B in deposits, ranking 527th of 4,313 FDIC-insured banks by asset size. It is headquartered in Minot, North Dakota.
Is my money safe at First Western Bank & Trust?▼
Yes, deposits at First Western Bank & Trust (Certificate #19123) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Western Bank & Trust's Tier 1 Capital Ratio?▼
First Western Bank & Trust has a Tier 1 Capital Ratio of 9.54%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for First Western Bank & Trust?▼
First Western Bank & Trust has a Texas Ratio of 9.75%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Western Bank & Trust?▼
First Western Bank & Trust has an Efficiency Ratio of 67.98%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Western Bank & Trust's profile as a depositor or analyst.
- First Western Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Western Bank & Trust against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.