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First Western Bank & Trust


First Western Bank & Trust is an FDIC insured institution headquartered at 900 S Broadway, Minot, ND 58701.
It was founded in 1964 and has approximately $2 billion in assets. Customers can open an account at one of its 5 branches.

Deposit Rates - January 02, 2026

SAVINGS RATES APY MIN
Savings
0.35% $100 Compare
CD RATES APY MIN
6 Mo CD
0.25% $500 Compare
12 Mo CD
0.70% $500 Compare
Special: 12 Mo CD
0.95% $2,500 Compare
24 Mo CD
0.75% $500 Compare
36 Mo CD
0.75% $500 Compare
48 Mo CD
0.80% $500 Compare
60 Mo CD
1.00% $500 Compare
Special: 60 Mo CD
1.25% $2,500 Compare
MM RATES APY MIN
Money Market
0.35% $1 Compare
FIXED IRA RATES APY MIN
Special: 12 Mo FIRA
0.95% $2,500
Special: 60 Mo FIRA
1.25% $2,500
INT CHECKING RATES APY MIN
Int Ckg
0.10% $50




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19123
Date Established 1964
Assets $ 2.24 billion
Loans $ 1,773.49 million
Deposits $ 1,882.52 million
Capital $ 239.29 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 51.21 million
Interest-bearing balances $ 22.24 million
Total securities $ 257.50 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,773.49 million
Loan loss allowance $ 20.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.95 million
Goodwill and other intangibles $ 46.48 million
All other assets $ 40.74 million
     Total Assets $ 2.01 billion

LIABILITIES
Total deposits $ 1,882.52 million
      Interest-bearing deposits $ 1,541.60 million
      Deposits held in domestic offices $ 1,882.52 million
      % insured (estimated)" 94.86%
Federal funds purchased and repurchase agreements $ 0.80 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 12.54 millionn
      Total Liabilities $ 2.01 billion
      Shareholders’ Equity $ 239.29 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 61.57 million
Total Interest Expense $ 26.51 million
Net interest income $ 35.06 million
Provision for loan and lease losses $ 2.11 million
Total non interest income $ 10.03 million
Total non interest expense $ 32.45 million
Pre-tax Net Operating Income $ 13.27 million

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Branches

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First Western Bank & Trust Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    First Western Bank & Trust
    Bank
    NORTH DAKOTA
    $50,000
    N.A.
    0.35%
    1.56x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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