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First Western Trust Bank

IDRSSD: 3158546
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #3158546 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -5
68
Sub-score

Liquidity is stable: brokered 22.6%, loans/deposits 96.1%, cash 8.2% of assets.

Cash / Assets
8.17%
Loans / Deposits
96.11%
Brokered %
22.58%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.60%
No watch items at this period.

Capitalization

StableQoQ -1
66
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 8.85%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ +13
99
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 4.8%, NCO YTD -0.04%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
-0.04%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
62
Sub-score

Reserves are stable: ALLL 0.75% of loans, coverage 140.4%, true coverage 130.8%.

ALLL / Loans
0.75%
Coverage
140.4%
True Loss Coverage
130.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:05:28 UTC