First Western Bank&Trust (FDIC #19123): Bank Stress & Real-Estate Credit Exposure

First Western Bank&Trust (FDIC Cert #19123): bank stress 68/100, elevated, STABLE over 7 days; parent WESTBRAND INC.

First Western Bank&Trust (#19123) lends in 9 counties across 4 states; First Western Bank&Trust (#19123) reaches 355 ZIP codes: Minnesota 4 counties, 125 ZIPs; North Dakota 3 counties, 67 ZIPs; Arizona 1 county, 140 ZIPs; South Dakota 1 county, 23 ZIPs.

First Western Bank&Trust (#19123) largest markets: Maricopa County, AZ (140 branches, 140 ZIPs) (#19123), Hennepin County, MN (73 branches, 73 ZIPs) (#19123), Cass County, ND (90 branches, 30 ZIPs) (#19123), Ward County, ND (72 branches, 24 ZIPs) (#19123), Minnehaha County, SD (23 branches, 23 ZIPs) (#19123), Crow Wing County, MN (72 branches, 18 ZIPs) (#19123).

First Western Bank&Trust (#19123) reports $2.39 billion in total assets; First Western Bank&Trust (#19123) equity $258.7 million (10.8% of First Western Bank&Trust (#19123) assets); First Western Bank&Trust (#19123) domestic deposits $1.96 billion; First Western Bank&Trust (#19123) net income $11.3 million; First Western Bank&Trust (#19123) return on assets 0.96%; First Western Bank&Trust (#19123) return on equity 8.86%; First Western Bank&Trust (#19123) net interest income $42.0 million; First Western Bank&Trust (#19123) call report June 30, 2026.

First Western Bank&Trust (#19123) noncurrent real-estate loans 0.25% of its book; First Western Bank&Trust (#19123) residential 0.55%; First Western Bank&Trust (#19123) net charge-offs on real estate 1.99%; First Western Bank&Trust (#19123) residential charge-offs 3.44%.

First Western Bank&Trust (#19123) net interest margin 3.92% against an eight-quarter First Western Bank&Trust (#19123) average of 3.47% (First Western Bank&Trust (#19123) compression -0.45 points); First Western Bank&Trust (#19123) real-estate loans 24.6% of equity; First Western Bank&Trust (#19123) non-residential real estate 344.2% of equity; First Western Bank&Trust (#19123) rate-exposure score 40/100, First Western Bank&Trust (#19123) fixed-rate trap 40/100; First Western Bank&Trust (#19123) risk type credit driven; First Western Bank&Trust (#19123) rate regime rates elevated, First Western Bank&Trust (#19123) snapshot October 19, 2026.

First Western Bank&Trust (#19123) stress score moved from 67 on June 22, 2026 to 68.3 on October 19, 2026; First Western Bank&Trust (#19123) ranged 67 to 68.3 over 116 snapshots.

First Western Bank&Trust (#19123) alerts: 9 counties; top First Western Bank&Trust (#19123) alert scores: Bismarck County, ND 23 (low); Chandler County, ND 23 (low); Eden Prairie County, ND 23 (low); Lismore County, ND 23 (low); Miltona County, ND 23 (low).