Form 8-K

8-K — First Western Financial Inc

Accession: 0001628280-26-026845

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0001327607

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — myfw-20260423.htm (Primary)

EX-99.1 (myfw-20260331xexx991.htm)

EX-99.2 (myfw-20260423xex992a01.htm)

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8-K

8-K (Primary)

Filename: myfw-20260423.htm · Sequence: 1

myfw-20260423

0001327607FALSE00013276072026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 23, 2026

FIRST WESTERN FINANCIAL, INC.

(Exact name of registrant as specified in its charter)

Colorado 001-38595 37-1442266

(State or other jurisdiction of

incorporation or organization) (Commission

File Number) (I.R.S. Employer

Identification No.)

1900 16th Street, Suite 1200

Denver, Colorado

80202

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: 303.531.8100

Former name or former address, if changed since last report: Not Applicable

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

o Emerging growth company

o If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol Name of each exchange on which registered

Common Stock, no par value MYFW NASDAQ Stock Market LLC

Item 2.02 Results of Operations and Financial Condition.

On April 23, 2026, First Western Financial, Inc. (the “Company”) issued a press release announcing its financial results for the first quarter ended March 31, 2026. A copy of the press release is furnished as Exhibit 99.1 and is incorporated by reference herein.

The information in this Item 2.02, including Exhibit 99.1, is being furnished pursuant to Item 2.02 of Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, unless specifically identified therein as being incorporated therein by reference.

Item 7.01 Regulation FD Disclosure.

The Company intends to hold an investor call and webcast to discuss its financial results for the first quarter ended March 31, 2026 on Friday, April 24, 2026, at 10:00 a.m. Mountain Time. The Company’s presentation to analysts and investors contains additional information about the Company’s financial results for the first quarter ended March 31, 2026 and is furnished as Exhibit 99.2 and is incorporated by reference herein.

The information in this Item 7.01, including Exhibit 99.2, is being furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act or the Exchange Act, unless specifically identified therein as being incorporated therein by reference.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit

Number Description

99.1

Press Release issued by First Western Financial, Inc. dated April 23, 2026

99.2

First Western Financial, Inc. Earnings Presentation

104 Cover Page Interactive Data File (the cover page XBRL tags are embedded in the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

FIRST WESTERN FINANCIAL, INC.

Date: April 23, 2026

By: /s/ Scott C. Wylie

Scott C. Wylie

Chairman, Chief Executive Officer and President

EX-99.1

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Document

Exhibit 99.1

First Western Reports First Quarter 2026 Financial Results

First Quarter 2026 Summary

•Net income available to common shareholders of $6.2 million in Q1 2026, compared to $3.3 million in Q4 2025

•Diluted earnings per share of $0.63 in Q1 2026, compared to $0.34 in Q4 2025

•Net interest margin increased 10 basis points from 2.71% in Q4 2025 to 2.81% in Q1 2026

•Net interest income increased $0.3 million, or 1.5%, from $20.6 million in Q4 2025 to $20.9 million in Q1 2026

•Non-interest income increased $0.6 million, or 9.8%, from $6.1 million in Q4 2025 to $6.7 million in Q1 2026

•Total deposits increased $95 million, or 3.5%, from $2.75 billion in Q4 2025 to $2.84 billion in Q1 2026

Denver, Colo., April 23, 2026 – First Western Financial, Inc. (“First Western” or the “Company”) (NASDAQ: MYFW), today reported financial results for the first quarter ended March 31, 2026.

Net income available to common shareholders was $6.2 million, or $0.63 per diluted share, for the first quarter of 2026. This compares to net income of $3.3 million, or $0.34 per diluted share, for the fourth quarter of 2025, and net income of $4.2 million, or $0.43 per diluted share, for the first quarter of 2025.

Scott C. Wylie, CEO of First Western, commented, “We executed well in the first quarter and saw positive trends in many areas including loan and deposit growth, an increase in Net interest income, expansion in our net interest margin, well managed expenses, and improved asset quality, which resulted in an increase in our level of profitability. We continue to see healthy economic conditions across our markets resulting in a solid amount of loan demand that meets our disciplined underwriting and pricing criteria, while steadily adding new deposit relationships. Our improving financial performance and continued prudent balance sheet management resulted in increases in both our book value and tangible book value per share during the first quarter.

“Our loan and deposit pipelines remain strong and along with a continuation of the positive trends we are seeing in key areas, we believe we are well positioned to continue generating strong financial performance for our shareholders as we move through 2026,” said Mr. Wylie.

For the Three Months Ended

March 31, December 31, March 31,

(Dollars in thousands, except per share data) 2026 2025 2025

Earnings Summary

Net interest income $ 20,883 $ 20,577 $ 17,453

(Release of) provision for credit losses (728) 915 80

Total non-interest income 6,656 6,079 7,345

Total non-interest expense 20,164 21,306 19,361

Income before income taxes 8,103 4,435 5,357

Income tax expense

1,895 1,121 1,172

Net income available to common shareholders 6,208 3,314 4,185

Basic earnings per common share 0.64 0.34 0.43

Diluted earnings per common share 0.63 0.34 0.43

Return on average assets (annualized) 0.79 % 0.42 % 0.59 %

Return on average shareholders' equity (annualized) 9.32 5.06 6.63

Return on tangible common equity (annualized)(1)

10.26 5.66 7.44

Net interest margin 2.81 2.71 2.61

Efficiency ratio(1)

73.11 74.88 79.16

____________________

(1) Represents a Non-GAAP financial measure. See “Reconciliations of Non-GAAP Financial Measures” for a reconciliation of our Non-GAAP measures to the most directly comparable GAAP financial measure.

Operating Results for the First Quarter 2026

Revenue

Total income before non-interest expense was $28.3 million for the first quarter of 2026, an increase of 10.1% from $25.7 million for the fourth quarter of 2025. Gross revenue(1) was $27.6 million for the first quarter of 2026, an increase of 3.4% from $26.7 million for the fourth quarter of 2025. Relative to the fourth quarter of 2025, the increase in Total income before non-interest expense was primarily driven by a decrease in Provision for credit losses, an increase in Non-interest income, and an increase in Net interest income. Relative to the first quarter of 2025, Total income before non-interest expense increased 14.6% from $24.7 million and Gross revenue increased 12.2% from $24.6 million. Relative to the first quarter of 2025, the increase in Total income before non-interest expense was primarily driven by an increase in Net interest income and a decrease in Provision for credit losses, partially offset by a decrease in Non-interest income.

Net Interest Margin

Net interest margin for the first quarter of 2026 increased 10 basis points to 2.81% from 2.71% reported in the fourth quarter of 2025, primarily due to a decrease in cost of funds, partially offset by a slight decrease in yield on interest-earning assets. The cost of funds decreased 13 basis points to 2.90% from 3.03% reported in the fourth quarter of 2025, while the yield on interest-earning assets decreased 2 basis points to 5.54% from 5.56% reported in the fourth quarter of 2025. The decrease in cost of funds was primarily due to lower rates on money market and time deposit accounts as a result of the Company reducing deposit rates commensurate with the short-term rate decreases in 2025.

Relative to the first quarter of 2025, net interest margin increased 20 basis points from 2.61%, primarily due to a 23 basis point decrease in cost of funds, partially offset by a 3 basis point decrease in yield on interest-earning assets. The decrease in cost of funds was primarily due to lower rates on money market and time deposit accounts as a result of the Company reducing deposit rates commensurate with the short-term rate decreases in 2025.

Net Interest Income

Net interest income for the first quarter of 2026 was $20.9 million, an increase of 1.5% from $20.6 million for the fourth quarter of 2025. The increase quarter-over-quarter was primarily driven by a 10 basis point increase in net interest margin, partially offset by lower day count. Relative to the first quarter of 2025, Net interest income increased 19.4% from $17.5 million. The increase compared to the first quarter of 2025 was primarily driven by a 20 basis point increase in net interest margin and an increase in average interest-earning assets.

Non-interest Income

Non-interest income for the first quarter of 2026 was $6.7 million, an increase of 9.8% from $6.1 million in the fourth quarter of 2025. The increase was primarily driven by increases in Net gain on mortgage loans and Risk management and insurance fees. The increase in Net gain on mortgage loans was driven by higher origination volume, while the increase in Risk management and insurance fees was driven by higher new case activity.

Relative to the first quarter of 2025, Non-interest income decreased $0.7 million, primarily driven by decreases in Net gain on other real estate owned and Net gain on loans held for sale, partially offset by an increase in Net gain on mortgage loans driven by higher origination volume.

Non-interest Expense

Non-interest expense for the first quarter of 2026 was $20.2 million, a decrease of 5.2% from $21.3 million in the fourth quarter of 2025. The decrease was primarily driven by a $1.4 million Other real estate owned ("OREO") write-down recorded in the fourth quarter of 2025 and a decrease in Professional services, partially offset by an increase in Salaries and employee benefits. The increase in Salaries and employee benefits was primarily driven by payroll tax seasonality and an increase in bonus accruals as a result of improved earnings during the quarter.

Relative to the first quarter of 2025, Non-interest expense increased 4.1% from $19.4 million, primarily driven by an increase in Salaries and employee benefits due to an increase in headcount and bonus accruals, partially offset by a decrease in Occupancy and equipment.

The Company’s efficiency ratio(1) was 73.1% in the first quarter of 2026, compared to 74.9% in the fourth quarter of 2025 and 79.2% in the first quarter of 2025.

Income Taxes

The Company recorded Income tax expense of $1.9 million for the first quarter of 2026, compared to $1.1 million for the fourth quarter of 2025, and $1.2 million for the first quarter of 2025.

Loans

Total loans held for investment were $2.69 billion as of March 31, 2026, an increase of $41 million, or 1.5%, from $2.65 billion as of December 31, 2025. Changes in the quarter included growth in the 1-4 family residential and Commercial and industrial portfolios, partially offset by a decrease in Non-owner occupied commercial real estate portfolio. Relative to the first quarter of 2025, total loans held for investment increased from $2.43 billion as of March 31, 2025, primarily driven by growth in the Non-owner occupied commercial real estate, 1-4 family residential, Cash, securities, and other, Owner occupied commercial real estate, and Commercial and industrial portfolios, partially offset by a decrease in the Construction and development portfolio.

Deposits

Total deposits were $2.84 billion as of March 31, 2026, an increase of $95 million, or 3.5%, from $2.75 billion as of December 31, 2025. The increase was primarily driven by increases in Noninterest-bearing deposit accounts, money market deposit accounts, and time deposits accounts. The increase in Noninterest-bearing deposits was primarily driven by operating account fluctuations, while the increase in Interest-bearing deposits was primarily driven by growth in money market deposit accounts and time deposit accounts. Relative to the first quarter of 2025, Total deposits increased from $2.52 billion as of March 31, 2025, primarily driven by an increase in money market deposit accounts, partially offset by a decrease Noninterest-bearing deposit accounts.

Borrowings

Federal Home Loan Bank (“FHLB”) borrowings were $50.0 million as of March 31, 2026, a decrease of $12.8 million from $62.8 million as of December 31, 2025. The change when compared to December 31, 2025 was primarily driven by the pay down on the Company's FHLB line of credit in the first quarter of 2026. Relative to the first quarter of 2025, borrowings decreased $1.6 million from $51.6 million as of March 31, 2025.

Subordinated notes were $44.8 million as of March 31, 2026 and December 31, 2025. Subordinated notes increased $0.2 million from $44.6 million as of March 31, 2025.

Assets Under Management

Assets Under Management (“AUM”) was $7.23 billion as of March 31, 2026, a decrease of $43 million, or 0.6%, from $7.28 billion as of December 31, 2025. The decrease in AUM during the quarter was primarily attributable to lower market values, partially offset by new accounts. Compared to March 31, 2025, total AUM increased 0.8% from $7.18 billion.

Credit Quality

Non-performing assets totaled $16.3 million, or 0.50% of Total assets, as of March 31, 2026, compared to $19.6 million, or 0.62% of Total assets, as of December 31, 2025. The decrease in non-performing assets during the quarter was primarily driven by the sale of the Company's last remaining OREO property and pay downs. As of March 31, 2025, non-performing assets totaled $17.1 million, or 0.59% of Total assets. Relative to the first quarter of 2025, the decrease in non-performing assets was primarily driven by the sale of the OREO property in the first quarter of 2026 and pay downs, partially offset by additions to non-accrual loans. OREO decreased from $3.0 million as of December 31, 2025 to $0.0 million as of March 31, 2026 due to the sale of the Company's last remaining OREO property in the first quarter of 2026. Relative to the first quarter of 2025, OREO decreased from $4.4 million as of March 31, 2025.

Non-accrual loans totaled $16.3 million as of March 31, 2026, a decrease of $0.3 million from $16.6 million as of December 31, 2025. As of March 31, 2025, non-accrual loans totaled $12.8 million. Relative to the fourth quarter of 2025, the decrease was primarily driven by pay downs. Relative to the first quarter of 2025, the increase was primarily driven by the addition of one credit relationship, partially offset by pay downs.

During the first quarter of 2026, the Company recorded a provision release of $0.7 million, compared to provision of $0.9 million in the fourth quarter of 2025 and $0.1 million in the first quarter of 2025. The release of $0.7 million in the first quarter of 2026 was primarily driven by decreased provision on individually analyzed loans. As of March 31, 2026 and December 31, 2025, the Allowance for credit losses as a percentage of Total loans was 77 basis points and 81 basis points, respectively.

Capital

As of March 31, 2026, First Western (“Consolidated”) and First Western Trust Bank (“Bank”) exceeded the minimum capital levels required by their respective regulators. As of March 31, 2026, the Bank was classified as “well capitalized,” as summarized in the following table:

March 31,

2026

Consolidated Capital

Tier 1 capital to risk-weighted assets 9.90 %

Common Equity Tier 1 ("CET1") to risk-weighted assets 9.90

Total capital to risk-weighted assets 12.52

Tier 1 capital to average assets 7.88

Bank Capital

Tier 1 capital to risk-weighted assets 11.33 %

CET1 to risk-weighted assets 11.33

Total capital to risk-weighted assets 12.21

Tier 1 capital to average assets 9.01

Book value per common share increased 2.9% from $27.30 as of December 31, 2025 to $28.10 as of March 31, 2026. Book value per common share increased 6.3% from $26.44 as of March 31, 2025.

Tangible book value per common share(1) increased 3.3% from $24.07 as of December 31, 2025 to $24.87 as of March 31, 2026. Tangible book value per common share increased 7.3% from $23.18 as of March 31, 2025.

During the three months ended March 31, 2026, the Company repurchased 6,123 shares for $0.1 million.

Conference Call, Webcast and Slide Presentation

The Company will host a conference call and webcast at 10:00 a.m. MT/ 12:00 p.m. ET on Friday, April 24, 2026. Telephone access: https://register-conf.media-server.com/register/BIa19f2c66af854a57b25db1c34f017817

A slide presentation relating to the first quarter 2026 results will be accessible prior to the scheduled conference call. The slide presentation and webcast of the conference call can be accessed on the Events and Presentations page of the Company’s investor relations website at https://myfw.gcs-web.com.

About First Western

First Western is a financial services holding company headquartered in Denver, Colorado, with operations in Colorado, Arizona, Wyoming, California, and Montana. First Western and its subsidiaries provide a fully integrated suite of wealth management services on a private trust bank platform, which includes a comprehensive selection of deposit, loan, trust, wealth planning and investment management products and services. First Western’s common stock is traded on the Nasdaq Global Select Market under the symbol “MYFW.” For more information, please visit www.myfw.com.

Non-GAAP Financial Measures

Some of the financial measures included in this press release are not measures of financial performance recognized in accordance with generally accepted accounting principles in the United States (“GAAP”). These non-GAAP financial measures include “Tangible Common Equity,” “Tangible Common Book Value per Share,” “Return on Tangible Common Equity,” “Efficiency Ratio,” and “Gross Revenue”. The Company believes these non-GAAP financial measures provide both management and investors a more complete understanding of the Company’s financial position and performance. These non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP financial measures. Not all companies use the same calculation of these measures; therefore, this presentation may not be comparable to other similarly titled measures as presented by other companies. Reconciliation of non-GAAP financial measures to GAAP financial measures are provided at the end of this press release.

Forward-Looking Statements

Statements in this news release regarding our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets are “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements often include words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “position,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “opportunity,” “could,” or “may.” The forward-looking statements in this news release are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this news release and could cause us to make changes to our future plans. Those risks and uncertainties include, without limitation, the risk of geographic concentration in Colorado, Arizona, Wyoming, California, and Montana; the risk of changes in the economy affecting real estate values and liquidity; the risk in our ability to continue to originate residential real estate loans and sell such loans; risks specific to commercial loans and borrowers; the risk of claims and litigation pertaining to our fiduciary responsibilities; the risk of changes in interest rates could reduce our net interest margins and Net interest income; increased credit risk, including as a result of deterioration in economic conditions, could require us to increase our allowance for credit losses and could have a material adverse effect on our results of operations and financial condition; the risk in our ability to maintain a strong core deposit base or other low-cost funding sources. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in our Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission (“SEC”) on February 27, 2026 (“Form 10-K”), and other documents we file with the SEC from time to time. We urge readers of this news release to review the “Risk Factors” section our Form 10-K and any updates to those risk factors set forth in our subsequent Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and our other filings with the SEC. Also, our actual financial results in the future may differ from those currently expected due to additional risks and uncertainties of which we are not currently aware or which we do not currently view as, but in the future may become, material to our business or operating results. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this news release, which speak only as of today’s date, or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law.

Contacts:

Financial Profiles, Inc.

Tony Rossi

310-622-8221

MYFW@finprofiles.com

IR@myfw.com

First Western Financial, Inc.

Condensed Consolidated Statements of Income (unaudited)

Three Months Ended

March 31, December 31, March 31,

(dollars in thousands, except per share amounts) 2026 2025 2025

Interest and dividend income:

Loans, including fees $ 38,125 $ 38,563 $ 34,047

Loans accounted for under the fair value option 39 51 111

Investment securities

1,464 1,593 681

Interest-bearing deposits in other financial institutions 1,341 1,958 2,242

Dividends, restricted stock 136 139 128

Total interest and dividend income 41,105 42,304 37,209

Interest expense:

Deposits 19,017 20,560 18,516

Other borrowed funds 1,205 1,167 1,240

Total interest expense 20,222 21,727 19,756

Net interest income 20,883 20,577 17,453

Less: (Release of) provision for credit losses (728) 915 80

Net interest income, after provision for credit losses

21,611 19,662 17,373

Non-interest income:

Trust and investment management fees 4,751 4,634 4,677

Net gain on mortgage loans 1,458 795 1,067

Net gain on loans held for sale — — 222

Bank fees 305 318 422

Risk management and insurance fees 249 52 259

Income on company-owned life insurance 116 117 110

Net (loss) gain on loans accounted for under the fair value option (39) (44) 6

Net (loss) gain on other real estate owned (7) — 459

Unrealized (loss) gain recognized on equity securities (4) (6) 11

Other (173) 213 112

Total non-interest income 6,656 6,079 7,345

Total income before non-interest expense 28,267 25,741 24,718

Non-interest expense:

Salaries and employee benefits 12,935 11,735 11,480

Occupancy and equipment 1,903 1,778 2,232

Professional services 1,596 2,232 1,704

Technology and information systems 999 1,026 1,056

Data processing 1,186 1,251 1,122

Marketing 193 386 216

Amortization of other intangible assets 48 52 51

Other 1,304 2,846 1,500

Total non-interest expense 20,164 21,306 19,361

Income before income taxes 8,103 4,435 5,357

Income tax expense

1,895 1,121 1,172

Net income available to common shareholders $ 6,208 $ 3,314 $ 4,185

Earnings per common share:

Basic $ 0.64 $ 0.34 $ 0.43

Diluted 0.63 0.34 0.43

First Western Financial, Inc.

Condensed Consolidated Balance Sheets (unaudited)

March 31, December 31, March 31,

(dollars in thousands) 2026 2025 2025

Assets

Cash and cash equivalents:

Cash and due from banks $ 10,907 $ 9,755 $ 15,924

Interest-bearing deposits in other financial institutions 253,144 190,526 257,558

Total cash and cash equivalents 264,051 200,281 273,482

Available-for-sale debt securities, at fair value (amortized cost of $41,937, $45,623, and $0, respectively)

41,939 45,607 —

Held-to-maturity debt securities (fair value of $90,775, $90,635 and $67,479, respectively), net of allowance for credit losses of $83, $74, and $71, respectively

95,030 94,970 73,775

Correspondent bank stock, at cost 6,424 6,764 5,968

Mortgage loans held for sale, at fair value 28,426 40,176 10,557

Loans (includes $2,468, $3,182, and $6,112 measured at fair value, respectively)

2,690,115 2,650,423 2,425,367

Allowance for credit losses (20,801) (21,441) (17,956)

Loans, net 2,669,314 2,628,982 2,407,411

Premises and equipment, net 25,704 25,687 24,554

Accrued interest receivable 11,582 11,209 10,623

Accounts receivable 5,461 4,579 4,505

Other receivables 1,318 2,444 4,608

Other real estate owned, net — 3,040 4,385

Goodwill and other intangible assets, net 31,373 31,422 31,576

Deferred tax assets, net 3,073 4,003 2,856

Company-owned life insurance 17,532 17,416 17,071

Other assets 39,490 38,401 34,929

Total assets $ 3,240,717 $ 3,154,981 $ 2,906,300

Liabilities

Deposits:

Noninterest-bearing $ 380,072 $ 344,969 $ 409,696

Interest-bearing 2,461,543 2,401,606 2,105,701

Total deposits 2,841,615 2,746,575 2,515,397

Borrowings:

Federal Home Loan Bank and Federal Reserve borrowings 50,006 62,841 51,612

Subordinated notes 44,810 44,772 44,621

Accrued interest payable 1,593 1,295 2,371

Other liabilities 29,328 33,938 35,744

Total liabilities 2,967,352 2,889,421 2,649,745

Shareholders’ Equity

Total shareholders’ equity 273,365 265,560 256,555

Total liabilities and shareholders’ equity $ 3,240,717 $ 3,154,981 $ 2,906,300

First Western Financial, Inc.

Consolidated Financial Summary (unaudited)

March 31, December 31, March 31,

(dollars in thousands) 2026 2025 2025

Loan Portfolio

Cash, securities, and other $ 164,119 $ 164,787 $ 101,078

Consumer and other 20,036 19,504 16,688

Construction and development 195,230 189,790 291,133

1-4 family residential 1,069,542 1,030,211 971,179

Non-owner occupied CRE 780,279 813,408 636,820

Owner occupied CRE 212,177 205,063 182,417

Commercial and industrial 248,875 226,107 223,197

Total 2,690,258 2,648,870 2,422,512

Loans accounted for under the fair value option 2,492 3,216 6,280

Total loans held for investment 2,692,750 2,652,086 2,428,792

Deferred fees, unamortized premiums, basis adjustments, net(1)(2)

(2,635) (1,663) (3,425)

Loans (includes $2,468, $3,182, and $6,112 measured at fair value, respectively)

$ 2,690,115 $ 2,650,423 $ 2,425,367

Mortgage loans held for sale 28,426 40,176 10,557

Deposit Portfolio

Money market deposit accounts $ 1,945,207 $ 1,913,591 $ 1,566,737

Time deposits 371,889 352,473 379,533

Interest checking accounts 130,821 122,292 144,980

Savings accounts 13,626 13,250 14,451

Total interest-bearing deposits 2,461,543 2,401,606 2,105,701

Noninterest-bearing accounts 380,072 344,969 409,696

Total deposits $ 2,841,615 $ 2,746,575 $ 2,515,397

____________________

(1) Includes fair value adjustments on loans held for investment accounted for under the fair value option.

(2) Includes basis adjustments related to the hedged portfolio accounted for under the portfolio layer method.

First Western Financial, Inc.

Consolidated Financial Summary (unaudited) (continued)

As of or for the Three Months Ended

March 31, December 31, March 31,

(dollars in thousands) 2026 2025 2025

Average Balance Sheets

Assets

Interest-earning assets:

Interest-bearing deposits in other financial institutions $ 145,676 $ 192,052 $ 200,194

Debt securities 138,537 143,593 75,592

Correspondent bank stock 6,421 6,342 5,806

Gross loans

2,684,756 2,630,739 2,407,482

Mortgage loans held for sale 30,682 41,068 13,593

Loans held at fair value 2,955 3,799 6,846

Total interest-earning assets 3,009,027 3,017,593 2,709,513

Noninterest-earning assets 123,719 123,497 143,579

Total assets $ 3,132,747 $ 3,141,090 $ 2,853,092

Liabilities and Shareholders’ Equity

Interest-bearing liabilities:

Interest-bearing deposits $ 2,387,214 $ 2,387,894 $ 2,090,505

FHLB and Federal Reserve borrowings 50,338 50,799 51,885

Subordinated notes 44,785 44,742 52,495

Total interest-bearing liabilities 2,482,337 2,483,435 2,194,885

Noninterest-bearing liabilities:

Noninterest-bearing deposits 347,520 359,223 363,922

Other liabilities 36,459 36,415 41,656

Total noninterest-bearing liabilities 383,979 395,638 405,578

Total shareholders’ equity 266,430 262,017 252,629

Total liabilities and shareholders’ equity $ 3,132,747 $ 3,141,090 $ 2,853,092

Yields/Cost of funds (annualized)

Interest-bearing deposits in other financial institutions 3.73 % 4.04 % 4.54 %

Debt securities 4.29 4.40 3.65

Correspondent bank stock 8.59 8.70 8.94

Loans 5.70 5.72 5.70

Loan held at fair value 5.35 5.33 6.58

Mortgage loans held for sale 5.34 5.94 5.46

Total interest-earning assets 5.54 5.56 5.57

Interest-bearing deposits 3.23 3.42 3.59

Total deposits 2.82 2.97 3.06

FHLB and Federal Reserve borrowings 4.03 3.99 3.92

Subordinated notes 6.38 5.82 5.70

Total interest-bearing liabilities 3.30 3.47 3.65

Net interest margin 2.81 2.71 2.61

Net interest rate spread 2.24 2.09 1.92

First Western Financial, Inc.

Consolidated Financial Summary (unaudited) (continued)

As of or for the Three Months Ended

March 31, December 31, March 31,

(dollars in thousands, except share and per share amounts) 2026 2025 2025

Asset Quality

Non-accrual loans $ 16,324 $ 16,588 $ 12,758

Non-performing assets 16,324 19,628 17,143

Net (recoveries) charge-offs (20) 401 566

Non-accrual loans to total loans 0.61 % 0.63 % 0.53 %

Non-performing assets to total assets 0.50 0.62 0.59

Allowance for credit losses to non-accrual loans 127.43 129.26 140.74

Allowance for credit losses to total loans 0.77 0.81 0.74

Net charge-offs to average loans * 0.02 0.02

Assets Under Management $ 7,234,541 $ 7,278,241 $ 7,176,624

Market Data

Book value per share at period end $ 28.10 $ 27.30 $ 26.44

Tangible book value per common share(1)

$ 24.87 $ 24.07 $ 23.18

Weighted average outstanding shares, basic 9,733,704 9,719,812 9,704,419

Weighted average outstanding shares, diluted 9,900,420 9,849,323 9,798,591

Shares outstanding at period end 9,728,968 9,725,731 9,704,320

Consolidated Capital

Tier 1 capital to risk-weighted assets 9.90 % 9.75 % 10.35 %

CET1 to risk-weighted assets 9.90 9.75 10.35

Total capital to risk-weighted assets 12.52 12.34 13.15

Tier 1 capital to average assets 7.88 7.68 8.12

Bank Capital

Tier 1 capital to risk-weighted assets 11.33 % 11.15 % 11.76 %

CET1 to risk-weighted assets 11.33 11.15 11.76

Total capital to risk-weighted assets 12.21 11.99 12.52

Tier 1 capital to average assets 9.01 8.79 9.24

____________________

(1) Represents a Non-GAAP financial measure. See “Reconciliation of Non-GAAP Financial Measures” for a reconciliation of our Non-GAAP measures to the most directly comparable GAAP financial measure.

*Represents percentages that are not meaningful.

First Western Financial, Inc.

Consolidated Financial Summary (unaudited) (continued)

Reconciliations of Non-GAAP Financial Measures

As of or for the Three Months Ended

March 31, December 31, March 31,

(dollars in thousands, except share and per share amounts) 2026 2025 2025

Tangible Common

Total shareholders' equity $ 273,365 $ 265,560 $ 256,555

Less: goodwill and other intangibles, net 31,373 31,422 31,576

Tangible common equity $ 241,992 $ 234,138 $ 224,979

Common shares outstanding, end of period 9,728,968 9,725,731 9,704,320

Tangible common book value per share $ 24.87 $ 24.07 $ 23.18

Net income available to common shareholders 6,208 3,314 4,185

Return on tangible common equity (annualized) 10.26 % 5.66 % 7.44 %

Efficiency

Non-interest expense $ 20,164 $ 21,306 $ 19,361

Less: OREO expenses and write-downs — 1,310 (80)

Adjusted non-interest expense $ 20,164 $ 19,996 $ 19,441

Total income before non-interest expense $ 28,267 $ 25,741 $ 24,718

Less: unrealized (loss) gain recognized on equity securities (4) (6) 11

Less: net (loss) gain on loans accounted for under the fair value option (39) (44) 6

Less: net gain on loans held for sale — — 222

Plus: (release of) provision for of credit losses (728) 915 80

Gross revenue $ 27,582 $ 26,706 $ 24,559

Efficiency ratio 73.11 % 74.88 % 79.16 %

EX-99.2

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myfw-20260423xex992a01

First Quarter 2026 Conference Call

Safe Harbor 2 This presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect the current views of First Western Financial, Inc.’s (“First Western”) management with respect to, among other things, future events and First Western’s financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “position,” “project,” “future” “forecast,” “goal,” “target,” “would” and “outlook,” or the negative variations of those words or other comparable words of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about First Western’s industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond First Western’s control. Accordingly, First Western cautions you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although First Western believes that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. The following risks and uncertainties, among others, could cause actual results and future events to differ materially from those set forth or contemplated in the forward-looking statements: the risk of geographic concentration in Colorado, Arizona, Wyoming, California, and Montana; the risk of changes in the economy affecting real estate values and liquidity; the risk in our ability to continue to originate residential real estate loans and sell such loans; risks specific to commercial loans and borrowers; the risk of claims and litigation pertaining to our fiduciary responsibilities; the risk of changes in interest rates could reduce our net interest margins and Net interest income; increased credit risk, including as a result of deterioration in economic conditions, could require us to increase our allowance for credit losses and could have a material adverse effect on our results of operations and financial condition; the risk in our ability to maintain a strong core deposit base or other low-cost funding sources. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in our Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission (“SEC”) on February 27, 2026 and other documents we file with the SEC from time to time. All subsequent written and oral forward-looking statements attributable to First Western or persons acting on First Western’s behalf are expressly qualified in their entirety by this paragraph. Forward-looking statements speak only as of the date of this presentation. First Western undertakes no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise (except as required by law). This presentation contains certain non-GAAP financial measures intended to supplement, not substitute for, comparable GAAP measures. Reconciliations of non-GAAP financial measures to GAAP financial measures are provided at the end of this presentation. Numbers in the presentation may not sum due to rounding. Our common stock is not a deposit or savings account. Our common stock is not insured by the Federal Deposit Insurance Corporation or any governmental agency or instrumentality. Except as otherwise indicated, this presentation speaks as of the date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that there has been no change in the affairs of the Company after the date hereof.

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato(regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions Overview of 1Q26 1Q26 Earnings • Net income available to common shareholders of $6.2 million, or $0.63, per diluted share • Diluted earnings per share increased 85% from the prior quarter, and 47% compared to 1Q25 • Pre-tax, pre-provision net income increased $2.0 million, or 38%, compared to 4Q25, and $1.9 million, or 36%, compared to 1Q25 • Positive trends in a number of key areas resulted in improvement in profitability from prior quarter Continued Execution on Strategic Priorities • Continued focus on prudent risk management and a conservative approach to new loan production, supported by new banking talent that is helping drive solid loan growth • Increase in loans held for investment of $41 million, or 1.5%, in 1Q26 • Success in deposit gathering efforts with increase in deposits of $95 million, or 3.5%, in 1Q26 • Positive trends in asset quality with decline in non-performing assets • Continued disciplined expense management Positive Trends in Key Metrics • Net interest income increased for the sixth consecutive quarter • Improvement in net interest margin from prior quarter primarily due to improved cost of funds • Mortgage, Trust and investment management, and Insurance fees all increased in the quarter • Further increase in tangible book value per share 3

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 5 Loan Portfolio • Total loans held for investment increased $40.7 million primarily due to growth in the 1-4 family residential and Commercial and industrial portfolios • Total loans held for investment increased for the fourth consecutive quarter and Total loans increased 12% year-over-year • New loan production diversified across markets and loan types • New loan production in 1Q26 of $115.8 million with a focus on relationship- based lending • Average rate on new loan production was 6.31% in 1Q26, relatively consistent with 4Q25 1Q25 4Q25 1Q26 Cash, securities and other $ 101,078 $ 164,787 $ 164,119 Consumer and other 16,688 19,504 20,036 Construction and development 291,133 189,790 195,230 1-4 family residential 971,179 1,030,211 1,069,542 Non-owner occupied CRE 636,820 813,408 780,279 Owner occupied CRE 182,417 205,063 212,177 Commercial and industrial 223,197 226,107 248,875 Total $ 2,422,512 $ 2,648,870 $ 2,690,258 Loans accounted for at fair value(2) 6,280 3,216 2,492 Total Loans HFI $ 2,428,792 $ 2,652,086 $ 2,692,750 Mortgage loans held for sale 10,557 40,176 28,426 Total Loans $ 2,439,349 $ 2,692,262 $ 2,721,176 (1) Represents unpaid principal balance. Excludes deferred fees, unamortized premiums, basis adjustments, net. (2) Excludes fair value adjustments on loans accounted for under the fair value option. ($ in thousands, as of quarter end) Loan Portfolio Composition(1) Loan Portfolio Details Loan Production & Loan Payoffs Total Loans(1) $2,428 $2,468 $2,594 $2,676 $2,718 $2,692 $2,721 1Q25 2Q25 3Q25 4Q25 1Q26 4Q25 1Q26 $1,000 $1,500 $2,000 $2,500 $3,000 Average Period End $70.8 $166.9 $145.7 $146.2 $115.8 $71.6 $122.6 $110.1 $131.3 $95.9 Production Loan Payoffs 1Q25 2Q25 3Q25 4Q25 1Q26 $0 $50 $100 $150 $200 ($ in millions) ($ in millions)

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 9 Net Interest Income and Net Interest Margin • Net interest income increased $0.3 million, or 1.5%, from $20.6 million in 4Q25 to $20.9 million in 1Q26, primarily driven by a 10 basis point increase in net interest margin, partially offset by lower day count • Net interest margin increased 10 basis points during the quarter from 2.71% in 4Q25 to 2.81% in 1Q26, primarily due to a 13 basis point decrease in cost of funds, partially offset by a 2 basis point decrease in yield on interest-earning assets • The decrease in cost of funds was primarily due to lower rates as a result of the Company reducing deposit rates commensurate with the short-term rate decreases in 2025 • Net interest income increased 19.7% from 1Q25 primarily driven by a 20 basis point increase in net interest margin and an increase in average interest-earning assets Net Interest Income Net Interest Margin $17,453 $17,884 $19,454 $20,577 $20,883 1Q25 2Q25 3Q25 4Q25 1Q26 $— $5,000 $10,000 $15,000 $20,000 $25,000 2.61% 2.67% 2.54% 2.71% 2.81% 1Q25 2Q25 3Q25 4Q25 1Q26 —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% ($ in thousands)

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 13 Near Term Outlook • First Western's markets continue to perform well and the strength of our balance sheet and franchise provides opportunities to capitalize on market disruption and challenges being faced by competing banks to add new clients and banking talent • New leadership added in Arizona, which represents good growth opportunities • Loan pipeline remains strong and should continue to result in solid loan growth in 2026 • Positive trends expected to continue ◦ Solid loan and deposit growth ◦ Continued expansion in net interest margin ◦ More robust business development activities in Wealth Management business ◦ Higher level of mortgage production resulting from addition of MLOs ◦ More operating leverage resulting from continued revenue growth with disciplined expense control ◦ No meaningful deterioration expected in asset quality given the trends we are seeing in the portfolio and our clients continuing to perform well • Positive trends in key areas expected to continue, which should result in steady improvement in financial performance and further value being created for shareholders

Appendix 14

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 15 Capital and Liquidity Overview Liquidity Funding Sources (as of 03/31/26) (1) See Non-GAAP reconciliation within the appendix. (2) Based on internal policy guidelines. Consolidated Capital Ratios (as of 03/31/26) Tangible Common Equity / TBV per Share(1) ($ in thousands) Liquidity Reserves: Total Available Cash $ 262,360 Unpledged Investment Securities 103,251 Borrowed Funds: Secured: FHLB Available 581,869 FRB Available 22,350 Other: Brokered Remaining Capacity 347,294 Unsecured: Credit Lines 29,000 Total Liquidity Funding Sources $ 1,346,125 Loan-to-Deposit Ratio 94.7 % 9.90% 9.90% 12.52% 7.88% Tier 1 Capital to Risk- Weighted Assets CET1 to Risk- Weighted Assets Total Capital to Risk- Weighted Assets Tier 1 Capital to Average Assets —% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% (2) (TCE $ in thousands) $130,704 $187,139 $208,760 $210,884 $220,695 $224,979 $227,323 $230,022 $234,138 $241,992 $16.44 $19.87 $21.99 $22.01 $22.83 $23.18 $23.39 $23.68 $24.07 $24.87 TCE TBV/Share 4Q20 4Q21 4Q22 4Q23 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 $— $40,000 $80,000 $120,000 $160,000 $200,000 $240,000 $280,000 $— $4 $8 $12 $16 $20 $24

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 16 Non-GAAP Reconciliation Consolidated Tangible Common Book Value Per Share (Dollars in thousands) March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 Total shareholders' equity $ 256,555 $ 258,847 $ 261,495 $ 265,560 $ 273,365 Goodwill and other intangibles, net 31,576 31,524 31,473 31,422 31,373 Tangible common equity $ 224,979 $ 227,323 $ 230,022 $ 234,138 $ 241,992 Common shares outstanding, end of period 9,704,320 9,717,922 9,714,711 9,725,731 9,728,968 Tangible common book value per share $ 23.18 $ 23.39 $ 23.68 $ 24.07 $ 24.87 Net income available to common shareholders $ 6,208 Return on tangible common equity (annualized) 10.26 % Consolidated Efficiency Ratio For the Three Months Ended, (Dollars in thousands) March 31, 2025 June 30, 2025 September 30, 2025 December 31, 2025 March 31, 2026 Non-interest expense $ 19,361 $ 19,099 $ 20,074 $ 21,306 $ 20,164 Less: OREO expenses and write-downs (80) 53 8 1,310 — Adjusted non-interest expense $ 19,441 $ 19,046 $ 20,066 $ 19,996 $ 20,164 Net interest income $ 17,453 $ 17,884 $ 19,454 $ 20,577 $ 20,883 Non-interest income 7,345 6,305 6,842 6,079 6,656 Less: unrealized gain (loss) recognized on equity securities 11 3 6 (6) (4) Less: net gain (loss) on loans accounted for under the fair value option 6 26 18 (44) (39) Less: net gain on loans held for sale 222 — — — — Adjusted non-interest income $ 7,106 $ 6,276 $ 6,818 $ 6,129 $ 6,699 Adjusted total income $ 24,559 $ 24,160 $ 26,272 $ 26,706 $ 27,582 Efficiency ratio 79.16 % 78.83 % 76.38 % 74.88 % 73.11 %

157 180 196 164 166 168 62 94 111 154 161 132 122 125 129 76 78 86 255 255 255 Chart color Table color Special Headlines Slide Headlines / Text on light background Primary Colors Secondary Colors Primary Background / Call Out Boxes / Text on dark background Chart color Table Color Tertiary Colors Chart color Table Color Chart Color Chart Color Approved Fonts AaBbCc 123 Lora (bold) Slide Headlines / Special Headlines AaBbCc 123 Lato (regular, bold, italics) Body Copy / Subheadings / Small Text Descriptions 17 Non-GAAP Reconciliation Pre-tax, Pre-Provision Net Income For the Three Months Ended, (Dollars in thousands) March 31, 2025 December 31, 2025 March 31, 2026 Income before income taxes $ 5,357 $ 4,435 $ 8,103 Plus: provision for (release of) credit losses 80 915 (728) Pre-tax, pre-provision net income $ 5,437 $ 5,350 $ 7,375 Allocation of the Allowance for Credit Losses (ACL) As of March 31, 2026 December 31, 2025 (Dollars in thousands) ACL Amount % of Loans % of ACL %(1) ACL Amount % of Loans % of ACL %(1) Commercial: Construction and Development $ 2,198 1.1 % 10.6 % 7.3 % $ 2,210 1.2 % 10.3 % 7.2 % Non-Owner Occupied CRE 4,150 0.5 20.0 29.0 4,359 0.5 20.4 30.7 Owner Occupied CRE 853 0.4 4.1 7.9 846 0.4 3.9 7.7 Commercial and Industrial 6,372 2.6 30.6 9.3 6,892 3.0 32.1 8.5 Total Commercial 13,573 0.9 65.3 53.5 14,307 1.0 66.7 54.1 Consumer: Cash, Securities and Other 1,047 0.6 5.0 6.1 1,150 0.7 5.4 6.2 Consumer and Other 152 0.8 0.7 0.7 138 0.7 0.6 0.7 1-4 Family Residential 6,029 0.6 29.0 39.7 5,846 0.6 27.3 39.0 Total Consumer 7,228 0.6 34.7 46.5 7,134 0.6 33.3 45.9 Total allowance for credit losses $ 20,801 0.8 % 100.0 % 100.0 % $ 21,441 0.8 % 100.0 % 100.0 % (1) Represents the percentage of loans to total loans in the respective category.

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xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 2 such as Street or Suite number

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine2

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

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No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

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Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

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Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

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- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

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Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

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No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

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Data Type:

xbrli:normalizedStringItemType

Balance Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

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Namespace Prefix:

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Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

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