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First Western Bank & Trust

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First Western Bank & Trust Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Western Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

First Western Bank & Trust's 6-Month CD rates are at 3.53%. MonitorBankRates evaluates the financial stability of First Western Bank & Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.40%. Rates were last updated on 05/04/2026.

First Western Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Western Bank & Trust? Share your experience about First Western Bank & Trust by leaving a review below, or read customer reviews before you decide to use First Western Bank & Trust.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.40%

Excellent Higher than avg

First Western Bank & Trust

900 S Broadway
Minot, ND 58701

https://www.firstwestern.bank

First Western Bank & Trust CD Rates

Product	Rate	APY	Term	View More
6 Month CD	3.50%	3.53%
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Western Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Western Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Western Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Western Bank & Trust

Bank Holding Company WESTBRAND INC

Address 900 S Broadway, Minot, ND 58701 · Ward

Website https://www.firstwestern.bank

FDIC Certificate # 19123

Established 05/11/1964

FDIC Insurance Date 05/11/1964

Domestic Offices 20

Total Branches 20

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6434%

Return on Equity (ROE) 6.2200%

Non-Performing Loans (NPL) 1.11%

Total Assets $2,308,328,000

Total Deposits $1,929,723,000

Equity Capital $250,236,000

Net Income $18,859,000

Headquarters Minot

Total Offices 20

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First Western Bank & Trust

How many branches does First Western Bank & Trust operate?

First Western Bank & Trust currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Western Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Western Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does First Western Bank & Trust offer online and mobile banking?

Most modern institutions like First Western Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstwestern.bank.