| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.5% | +1.7 pts |
| Deposit growth (YoY) | +12.5% | +5.1% | +7.5 pts |
| Loan growth (YoY) | +6.7% | +5.9% | +0.8 pts |
| ROA | 0.83% | 1.26% | -0.4 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.24B | $2.85B | $2.72B | $316.6M | $13.2M | 0.83% | 2.90% | 0.50% |
| Q1 2026 | $3.24B | $2.85B | $2.70B | $308.4M | $6.9M | 0.86% | 2.85% | 0.71% |
| Q4 2025 | $3.15B | $2.75B | $2.67B | $299.7M | $15.5M | 0.51% | 2.71% | 0.62% |
| Q3 2025 | $3.24B | $2.86B | $2.59B | $295.0M | $11.7M | 0.52% | 2.65% | 0.73% |
| Q2 2025 | $3.02B | $2.54B | $2.55B | $291.4M | $7.9M | 0.54% | 2.64% | 0.62% |
| Q1 2025 | $2.90B | $2.53B | $2.42B | $287.7M | $4.8M | 0.66% | 2.67% | 0.59% |
| Q4 2024 | $2.91B | $2.53B | $2.43B | $282.5M | $11.6M | 0.40% | 2.45% | 1.68% |
| Q3 2024 | $2.91B | $2.52B | $2.38B | $278.2M | $8.1M | 0.37% | 2.41% | 1.79% |
Loan mix (Q2 2026): real estate $2.30B · commercial $279.4M · consumer $136.6M · securities $207.0M
| Ratio | First Western Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 59.0% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Western Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Western Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Western Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Western Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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