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First Western Financial (MYFW) investor relations material
First Western Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.5 million ($0.26 per diluted share), up 127% year-over-year but down from Q1 due to one-time gains and higher provision.
Tangible book value per share increased by about 1% to $23.39; share repurchases were accretive.
Asset quality remained stable, with a slight increase in non-performing loans due to one credit; allowance coverage rose to 0.75%.
Total assets reached $3.03 billion, up 3.7% from year-end; AUM grew 4.5% to $7.50 billion, driven by market gains.
Wealth Management outperformed Mortgage, which saw lower origination volume and income.
Financial highlights
Net interest income was $17.9 million, up 2.3% sequentially and 13.3% year-over-year; net interest margin rose 6 bps to 2.67%.
Non-interest income was $6.3 million, down 13.7% sequentially and 9.6% year-over-year, mainly due to lower mortgage and trust fees.
Non-interest expense decreased 1.5% sequentially to $19.1 million; efficiency ratio improved to 78.8%.
Loans held for investment increased by $114M–$115M sequentially; new loan production was $167M.
Total deposits rose 0.4%–0.6% to $2.53 billion; borrowings increased to $208.1 million.
Outlook and guidance
Management expects continued balance sheet growth, stable to improving NIM, and strong net interest income in H2 2025.
NIM projected to remain flat in Q3, with expansion anticipated in Q4; target low to mid-2.70s by year-end.
Noninterest expense guidance remains $19.5M–$20M per quarter for the remainder of the year.
No material changes to risk factors or forward-looking statements since the last annual report.
No signs of meaningful asset quality deterioration; positive trends expected to continue.
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Next First Western Financial earnings date
Q3 202524 Oct, 2025
Next First Western Financial earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
First Western Financial Inc is a financial holding company that offers private banking, commercial lending, trust, investment management, and mortgage services. Operating through its wholly owned bank subsidiary, the company targets high-net-worth individuals and small to medium-sized businesses. Its operations are concentrated in the western United States. First Western Financial Inc is headquartered in Denver, Colorado, and its shares are listed on the NASDAQ.
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