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First Western Bank & Trust
Minot, ND · FDIC Certificate #19123 · Chartered 05/1
Total assets
$2.39B
Total deposits
$1.96B
Total equity
$258.70M
Net loans
$1.90B
Branches (offices)
19
Net income (YTD)
$11.27M
Rank: #518 of 4,213 U.S. banks by assets · #8 of 60 in North Dakota. Assets changed 6.3% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 8.86% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 10.84% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 6.1% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 96.7% |
| Real estate loans (share of loans) | 65.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.24B | 65.5% | |
| Commercial & industrial | $312.47M | 16.5% | |
| Consumer / individual | $40.93M | 2.2% | |
| Construction & development | $142.35M | 7.5% | |
| Agricultural | $164.58M | 8.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.90B | $1.69B | $9.51M | $200.63M |
| Jun 2023 | $2.10B | $1.75B | $6.68M | $216.47M |
| Jun 2024 | $2.25B | $1.92B | $4.47M | $222.29M |
| Jun 2025 | $2.24B | $1.88B | $7.55M | $239.28M |
| Jun 2026 | $2.39B | $1.96B | $11.27M | $258.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $1.47B | 8 |
| Minnesota | $454.90M | 9 |
| South Dakota | $29.67M | 1 |
| Arizona | $4.99M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.96B.
Similar-sized banks
The Ephrata National Bank ($2.39B) · Guaranty Bank ($2.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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