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Overview / Commentary
1900 16th St., Suite 1200
Denver, CO 80202

First Western Trust Bank is headquartered in Denver and is the 12st largest bank in the state of Colorado. It is also the 1,099th largest bank in the nation. It was established in 2004 and as of June of 2014, it had grown to 137 employees at 9 locations. First Western Trust Bank has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First Western Trust Bank had $6.96 million in non-current loans and owned real-estate with $75.69 million in equity and loan loss allowances on hand to cover it. This gives First Western Trust Bank a Texas Ratio of 9.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Western Trust Bank decreased dramatically from 15.08% as of June 30, 2013 to 9.20% as of June 30, 2014, resulting in a positive change of 38.98%.This indicates that the balance sheet and financial strength for First Western Trust Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Western Trust Bank has increased its total deposits by $37.16 million, resulting in 7.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Western Trust Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Western Trust Bank has $610.28 million in assets with $75.69 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

Institution Statistics

FDIC Certificate #57607
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$610.28 million
Loans$474.78 million
Deposits$524.50 million
Equity Capital$70.77 million
Loan Loss Allowance$4.92 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$5.18 million
Historic Data - June 2013
Assets$581.69 million
Equity Capital$69.58 million
Loan Loss Allowance$6.03 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$6.02 million
Profit Margin - Quarterly
Return on Assets0.27%
Return on Equity2.43%
Interest Income$11.90 million

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First Western Trust Bank Locations
Boulder Branch1155 Canyon Boulevard, Suite 300Boulder, CO 80302
First Western Trust Bank1900 16th Street, Suite 1200Denver, CO 80202
Cherry Creek Branch233 Milwaukee StreetDenver, CO 80206
Phoenix Branch2425 E. Camelback Rd., Ste 100Phoenix, AZ 85016
Northern Colorado Branch3003 East Harmony Road, Suite 200Fort Collins, CO 80528
Downtown Los Angeles Branch515 South Figueroa Street, Suite 1200Los Angeles, CA 90071
Dtc Cherry Hills6501 East Belleview Avenue, Suite 200Englewood, CO 80111
Scottsdale Branch7025 N Scottsdale RdScottsdale, AZ 85253