WESTBRAND INC is the bank holding company. FIRST WESTERN BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

WESTBRAND INC

Legal name: WESTBRAND, INC.

1 active bank · 1 merged/absorbed · $2.3B combined assets

RSSD ID: 1127650 (FFIEC NIC)

Combined Assets

$2.3B

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST WESTERN BANK & TRUSTMINOT, NDSatisfactory$2.3BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$2.3B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$2.0B

Net Income

$5M

ROA (avg)

0.93%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

593

Origination Rate

77.4%

Denial Rate

5.56%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST WESTERN BANK & TRUST	MINOT, ND	FDIC	$2.3B	100.0%	Satisfactory	Jun 1993

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.