First Western Trust Bank

Headquarters: Denver, Colorado
Charter: Bank
Assets: $3.2B
Fed district: Kansas City
Regulator: FDIC
Holding company: First Western Financial Inc.

Explore Hamilton View published fees

Compared with Colorado

6 of 14

compared fees are above the median.

6 below, 2 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
9th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Colorado median
of 14 compared; 6 below, 2 about the same
See the fees
Fee schedule read Oct 26, 2026

How these figures are measured

Call-report figures are for First Western Trust Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Colorado median	Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Western Trust Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Western Trust Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 0.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (9th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $155K in Q2 2026, 0.6% below the same quarter a year earlier ($156K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 14 compared published fees sit above the Colorado median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Colorado medians for fees published by banks and credit unions.

Overdraft (OD)
First Western Trust Bank: $25
First Western Trust Bank: $25
Colorado median: $3052 publishKansas City district median: $29273 publishU.S. median: $302,605 publish
NSF / Returned Item
First Western Trust Bank: No fee
First Western Trust Bank: No fee
Colorado median: $3054 publishKansas City district median: $28271 publishU.S. median: $302,856 publish
Wire Transfer (Domestic Out)
First Western Trust Bank: $25
First Western Trust Bank: $25
Colorado median: $2552 publishKansas City district median: $20251 publishU.S. median: $252,628 publish

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 20% from Q3 2025 to Q2 2026, to $155K. Its share of revenue, 0.5%, is below the 2.2% median for banks with $1B to $10B in assets.

Service-charge income, Q2 2026

$155K

$129KQ3 2025

$126KQ4 2025

$139KQ1 2026

$155KQ2 2026

Against the median (CO for fees)

Share of revenue0.5% / 2.2%
Overdraft$25 / $30

First Western Trust BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

First Western Trust Bank · $3.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$3.1B to $3.4B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Western Trust Bank(this institution)	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Banterra Bank	Marion, IL	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers Bank & Trust Company	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens Community Bank	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Dakota National Bank	Yankton, SD	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northern Bank & Trust Company	Woburn, MA	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Western Trust Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 20 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Western Trust Bank does not publish a monthly maintenance fee, so it is not on this chart.

First Western Trust BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Western Trust Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $155K
vs prior quarter: +$16K+11.5%; from Q1 2026
vs a year earlier: −$1K−0.6%; from Q2 2025
vs start of range: +$40K+34.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Western Trust Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$155K	+$16K	+11.5%
Q1 2026	$139K	+$13K	+10.3%
Q4 2025	$126K	−$3K	−2.3%
Q3 2025	$129K	−$27K	−17.3%
Q2 2025	$156K	−$11K	−6.6%
Q1 2025	$167K	+$51K	+44.0%
Q4 2024	$116K	+$1K	+0.9%
Q3 2024	$115K	+$49K	+74.2%

Service-charge share against its size cohort

Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Western Trust Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

First Western Trust Bank: 0.5%
Percentile: 9th
25th percentile: 1.3%
Median: 2.2%
75th percentile: 3.5%

First Western Trust Bank 0.5%Median 2.2%Middle half 1.3% to 3.5%Peers at each share12 above 10%, counted in the last bar

Find a peer (869)

The 15 closest to First Western Trust Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from First Western Trust Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Hour(Account Research Fees May Apply)$100
Above the U.S. middle 50% ($6 to $25 nationally)

Overdraft & NSF

NSF Paid Item$25
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
NSF Returned ItemNo charge
Below the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Debit Card Expedition Fee$45
Inside the U.S. middle 50% ($30 to $50 nationally)

Wire Transfers

Wire Transfers: Domestic – Outgoing$25
Inside the U.S. middle 50% ($20 to $25 nationally)
Wire Transfers: Domestic – Incoming$5
Inside the U.S. middle 50% ($5 to $15 nationally)
Wire Transfers: International – Outgoing$40
Inside the U.S. middle 50% ($40 to $50 nationally)
Wire Transfers: International – Incoming$20
Inside the U.S. middle 50% ($10 to $25 nationally)

Check Services

Cashier’s Checks$12
Above the U.S. middle 50% ($3 to $6 nationally)
Stop Payment$30
Inside the U.S. middle 50% ($20 to $30 nationally)
Check Cashing for Non-Customers$10
Inside the U.S. middle 50% ($5 to $10 nationally)
Foreign Check Deposit$10
Inside the U.S. middle 50% ($10 to $26 nationally)

Cash & Deposit

Return Deposit Item$20
Inside the U.S. middle 50% ($8.81 to $25 nationally)

Account Services

NotaryNo charge
Inside the U.S. middle 50% ($0 to $5 nationally)
Late Charge$10
Not compared: Box drilling or key fee
Levy/Garnishment/Subpoena/Other LegalServices$100
Not compared: Charged per hour; comparison unavailable
per hour · Levy/Garnishment/Subpoena/Other LegalServices | $100.00 / Hour (Account Research Fees May Apply)

Fee	Amount	Basis	Note
Account Maintenance
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Hour(Account Research Fees May Apply)	$100Above the U.S. middle 50% ($6 to $25 nationally)	Not stated	None
Overdraft & NSF
NSF Paid Item	$25Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
NSF Returned Item	No chargeBelow the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Debit Card Expedition Fee	$45Inside the U.S. middle 50% ($30 to $50 nationally)	Not stated	None
Wire Transfers
Wire Transfers: Domestic – Outgoing	$25Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfers: Domestic – Incoming	$5Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Wire Transfers: International – Outgoing	$40Inside the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Wire Transfers: International – Incoming	$20Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Check Services
Cashier’s Checks	$12Above the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Stop Payment	$30Inside the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Check Cashing for Non-Customers	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Foreign Check Deposit	$10Inside the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Cash & Deposit
Return Deposit Item	$20Inside the U.S. middle 50% ($8.81 to $25 nationally)	Not stated	None
Account Services
Notary	No chargeInside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Late Charge	$10Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment/Subpoena/Other LegalServices	$100Not compared: Charged per hour; comparison unavailable	per hour	Levy/Garnishment/Subpoena/Other LegalServices \| $100.00 / Hour (Account Research Fees May Apply)

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Western Trust Bank operates, and what regulators and customers have on file.

Branch footprint

15 offices in 5 states, $2.9B in branch deposits (June 2026)

Hover a state for its branch count.

FewerMore branches

Largest markets by deposits

	4	$1.6B
	1	$548.3M
Outside a metro area	5	$410.9M
	1	$188.9M
	2	$129.6M
	1	$22.8M
	1	$0

Denver-Aurora-Centennial, CO

1.4% of bank deposits, #14 of 68, up 0.6 points over five years.

Largest competitors here	Deposit share
Wells Fargo Bank, National Association	21.2%
JPMorgan Chase Bank, National Association	15.2%
U.S. Bank National Association	13.4%
PNC Bank, National Association	13.4%
UMB Bank, National Association	4.3%

Fees in Denver →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Denver-Aurora-Centennial, CO, First Western Trust Bank holds 1.4% of bank deposits, #14 of 68, with 4 offices.

Compare fees with the 83 Denver-Aurora-Centennial, CO banks and credit unions in its home-metro peer set →

Offices in the metro

763 offices of 109 institutions shown.

First Western Trust BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Denver-Aurora-Centennial, CO metro (FDIC metro code 19740), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 12 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Wells Fargo Bank, National Association21.2%
2JPMorgan Chase Bank, National Association15.2%
3U.S. Bank National Association13.4%
4PNC Bank, National Association13.4%
5UMB Bank, National Association4.3%
6Bank of America, National Association4.2%
7KeyBank National Association3.9%
8BOKF, National Association2.8%
14First Western Trust Bank1.4%

9 of 68 institutions shown. $113.6B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Denver-Aurora-Centennial, CO metro (FDIC metro code 19740)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 1.4% share, 4 offices, #14 of 68

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Denver-Aurora-Centennial, CO metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

182 offices of 41 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

First Western Financial Inc (Nasdaq: MYFW)

Consolidated assets

$3.4B

Shareholders' equity

$288.1M

As of

2026Q3

Net income by quarter

Recent SEC filings

10-Q10-Q2026-10-30View
8-K8-K2026-10-22View
10-Q10-Q2026-07-31View
8-K8-K2026-07-24View
8-K8-K2026-07-23View
8-K8-K2026-06-05View
8-K8-K2026-06-02View
8-K8-K2026-05-04View
10-Q10-Q2026-05-01View
8-K8-K2026-05-01View
DEF 14ADEF 14A2026-04-24View
8-K8-K2026-04-23View

Source: SEC EDGAR filings and XBRL financial data, CIK 1327607. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when First Western Trust Bank's nsf / returned item changes in our data

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