|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Western Bank & Trust Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
First Western Bank & Trust's 24-Month CD rates are at 4.20%, 13-Month CD rates are at 4.11%, 6-Month CD rates are at 3.79%. First Western Bank & Trust's top CD rate of 4.20% APY on a 2 year CD is 43% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A- health rating. 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 15.55%. Rates last updated and verified on 11/05/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. First Western Bank & Trust CD Rates
Financial Health HistoryFirst Western Bank & Trust’s Texas Ratio rose from 12.40% in Q3 2023 to 15.55% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
First Western Bank & Trust
Website
https://www.firstwestern.bank
Address
900 S Broadway,
Minot, ND 58701 · Ward
Bank Holding Company
WESTBRAND INC
FDIC Certificate #
19123
Regulator
FED
Established
May 11, 1964
FDIC Insurance Date
May 11, 1964
Domestic Offices
20
Total Branches
20
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.55%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9635%
Return on Equity (ROE)
8.8600%
Non-Performing Loans Ratio (NPL)
1.15%
Total Assets
$2,386,276,000
Total Deposits
$1,963,167,000
Equity Capital
$258,705,000
Net Income
$11,271,000
Headquarters
Minot
Total Branches and Offices
20
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for First Western Bank & Trust yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First Western Bank & Trust
Frequently Asked Questions About First Western Bank & TrustDoes First Western Bank & Trust offer CDs?Yes. First Western Bank & Trust current CD rates include its 24-Month CD at 4.20% APY, its 13-Month CD at 4.11% APY and its 6-Month CD at 3.79% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from First Western Bank & Trust FDIC insured?Yes. First Western Bank & Trust is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at First Western Bank & Trust?The highest First Western Bank & Trust CD rate is its 24-Month CD at 4.20% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does First Western Bank & Trust offer?First Western Bank & Trust CD rates are 3.79% APY for a 6 month CD, 4.11% APY for a 12 month CD, 4.11% APY for a 13 month CD and 4.20% APY for a 2 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Western Bank & Trust for its full lineup. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do First Western Bank & Trust rates compare?First Western Bank & Trust's top CD rate of 4.20% APY on a 2 year CD is 43% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A- health rating. First Western Bank & Trust's top rate is its 24-Month CD at 4.20% APY, verified by MonitorBankRates on November 5, 2026. Current First Western Bank & Trust Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
American Bank
1st Source Bank
Martinsville FSB
State Bank Brownsburg, IN
Peoples Bank of Kentucky
FinWise Bank
The Bank of Tioga
State Bank of the Lakes
Needham Bank
City National Bank of Sulphur Springs
ESB Bank
Herring Bank
Charter Bank TX
PSB of Rhineland
Potomac Bank
Paper City Savings PCSA
TCB Tri-County Bank
Liberty Bank and Trust Company
Loyal Trust Bank
Banc of California
InBank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
