What are the current interest rates at First Western Bank & Trust?

Current rates for First Western Bank & Trust include: 12-Month CD: 3.86%, 24-Month CD: 4.00%

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First Western Bank & Trust

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First Western Bank & Trust Rates & Review September 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 and Verified: September 18, 2026

First Western Bank & Trust's 24-Month CD rates are at 4.00%, 13-Month CD rates are at 3.86%, 6-Month CD rates are at 3.78%. MonitorBankRates evaluates the financial stability of First Western Bank & Trust with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.15%. Rates last updated and verified on 09/18/2026.

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

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.15%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Western Bank & Trust

900 S Broadway
Minot, ND 58701

https://www.firstwestern.bank

First Western Bank & Trust CD Rates

Product	Rate	APY	Term
24 Month CD	4.00%	4.00%	24 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.15%
13 Month CD	3.85%	3.86%	13 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.15%
6 Month CD	3.75%	3.78%	6 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.15%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Western Bank & Trust’s Texas Ratio rose from 12.40% in Q3 2023 to 16.15% 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 4.9 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	16.15%	4.9	A-
March 31, 2026	$2.3B	16.39%	4.9	A-
December 31, 2025	$2.3B	16.40%	4.9	A-
September 30, 2025	$2.3B	19.12%	4.7	B+
June 30, 2025	$2.2B	15.09%	5.0	A-
March 31, 2025	$2.2B	15.30%	5.0	A-
December 31, 2024	$2.2B	15.28%	5.0	A-
September 30, 2024	$2.2B	14.04%	5.0	A-
June 30, 2024	$2.2B	13.05%	5.0	A
March 31, 2024	$2.2B	10.98%	5.0	A
December 31, 2023	$2.2B	9.08%	5.0	A
September 30, 2023	$2.1B	12.40%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19640511

FDIC Insurance Date 19640511

Domestic Offices 20

Total Branches 20

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

16.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9635%

Return on Equity (ROE) 8.8600%

Non-Performing Loans (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 06/30/2026

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.