🏦Bank Scorer

FIRST WESTERN BANK & TRUST

MINOT, ND · Supervised by FDIC

Est. 1964FDIC #19,123RSSD: FDIC-19123
Part ofWESTBRAND INC→ View all charters
Satisfactory Same

Current rating · Exam: June 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

900 S Broadway, MINOT, ND

County

Ward County

Established

May 11, 1964

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 1993

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.0B

Net Loans

$1.9B

Net Income

$5M

ROA

0.93%

ROE

8.59%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.56%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$1.9B

1-Year Change

0

5-year net change: +13 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202459377.4%5.56%
202374882.62%3.61%
202285583.86%3.51%
20211,61684.53%3.59%
202045692.54%2.41%
201920392.12%1.97%
201815891.14%5.06%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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