First Western Trust Bank: how it compares with its peers
Against 463 U.S. banks with half to twice its assets, First Western Trust Bank's strongest measure in Q2 2026 is assets per employee ($9.7M vs. a $9.1M peer median). Its weakest relative measure is net interest margin (2.90% vs. 3.68%).
| Measure | First Western Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.27% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.90% | 3.68% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.32% | 58.57% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $9.1M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.17% | 88.43% | Context |
What it means for lending operations
Its efficiency ratio of 73.32% is above the 58.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Guam Hagatna, GU · $3.24B
- STAR Financial Bank Fort Wayne, IN · $3.23B
- Academy Bank, National Association Kansas City, MO · $3.23B
- Georgia Banking Company Atlanta, GA · $3.26B
- Bristol County Savings Bank Taunton, MA · $3.26B
Questions about First Western Trust Bank
How big is First Western Trust Bank?
First Western Trust Bank, established in 2004, is headquartered in Denver, CO. It reported $3.24B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is First Western Trust Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.27% median for 463 U.S. banks with half to twice its assets, ahead of 18% of them.
What is First Western Trust Bank's efficiency ratio?
73.32% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is First Western Trust Bank growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 12.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.