Total Assets
$3.2B
Total balance-sheet footings
FDIC Cert #57607 · Denver, Colorado · Est. 2004
First Western Trust Bank - FDIC Bank Health Profile
A community-scale look at First Western Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.2B
- Total assets
- C
- Health grade · Fair
- 0.51%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
First Western Trust Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.15% Tier 1, 0.51% ROA, 77% efficiency ratio.
- #405
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 11.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- 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 Trust Bank's 62/100 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 Trust Bank's composite health score
Tier 1 Capital Ratio (11.15%) 28/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (5.16%) 16/20
Efficiency Ratio (76.50%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.8B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Western Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Western Trust Bank's score of 62/100 falls in the highlighted band.
First Western Trust Bank'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 Trust Bank's $3.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.15%
Texas Ratio
5.16%
Equity Capital
$300M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.33%
Efficiency Ratio
76.50%
What the numbers say about First Western Trust Bank
First Western Trust Bank is an FDIC-insured institution (Certificate #57607) headquartered in Denver, Colorado, established in 2004. It holds $3.2B in total assets - 405th of 4,313 FDIC-insured banks, $2.8B in customer deposits, and $2.7B in net loans. On safety, its Tier 1 capital ratio of 11.15% is above the 10% well-capitalized threshold, and its Texas Ratio of 5.16% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Western Trust Bank's asset base places it among the largest FDIC-insured institutions in the country, 405th of 4,313 nationally, and 5th of 65 banks headquartered in Colorado. Only Alpine Bank ($6.9B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$160M
Interest Income
$30M
Non-Interest Income
$83M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Western Trust Bank reports a Texas Ratio of 5.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Western Trust Bank (FDIC Cert #57607) - 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 Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
| Fortis BankDenver | $1.4B | B | 0.60% |
Frequently asked questions
What is First Western Trust Bank's health grade?▼
First Western Trust Bank receives a health grade of C (62/100) 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 Trust Bank?▼
First Western Trust Bank holds $3.2B in total assets and $2.8B in deposits, ranking 405th of 4,313 FDIC-insured banks by asset size. It is headquartered in Denver, Colorado.
Is my money safe at First Western Trust Bank?▼
Yes, deposits at First Western Trust Bank (Certificate #57607) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Western Trust Bank's Tier 1 Capital Ratio?▼
First Western Trust Bank has a Tier 1 Capital Ratio of 11.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Western Trust Bank?▼
First Western Trust Bank has a Texas Ratio of 5.16%. A ratio below 50% is generally considered 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 Trust Bank?▼
First Western Trust Bank has an Efficiency Ratio of 76.50%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Western Trust Bank's profile as a depositor or analyst.
- First Western Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Western Trust Bank against other Colorado banks before moving funds. Colorado 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.