First Western Q3 2026 EPS $0.60 vs $0.32 a year ago; loans up 3.5% QoQ to $2.81B

First Western Financial Inc

Net income available to common shareholders $6.0M, or $0.60 diluted EPS, vs $5.7M/$0.57 in Q2 2026 and $3.2M/$0.32 in Q3 2025.
Net interest income $23.0M, up 5.5% from $21.8M in Q2; net interest margin 2.95% vs 2.90% in Q2 and 2.54% a year earlier.
Total loans held for investment rose $95.0M (3.5%) to $2.81B; deposits grew $70.0M (2.5%) to $2.92B on noninterest-bearing growth.
Provision for credit losses $647K vs a $469K release in Q2 and a $2.3M provision in Q3 2025; efficiency ratio improved to 72.20% from 74.03%.
Non-interest income fell to $5.8M from $6.4M in Q2 and $6.8M a year ago; pre-tax pre-provision net income $7.9M, up 14.5% QoQ.

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