Matthew Clark

Bill Dezellem

Woody Lay

Brett Rabatin

William Dezellem

Ross Haberman

Will Jones

Brett Rabotin

William Jones

Wood Lay

- **Net income** for Q3 2025 reached **$3.2 million**, or **$0.32 per diluted share**, marking a **45% increase** from the third quarter of last year.  **[0001327607_2202588_0]** 
- **Gross revenue** saw an **8.7%** increase quarter-over-quarter and a **15.5%** increase year-over-year.  **[0001327607_2202588_2]** 
- **Total deposits** grew by **$320 million** and **loans held for investment** increased by **$50 million** from the prior quarter.  **[0001327607_2202588_1]** 
- The **Net Interest Margin (NIM)** was **2.54%**, a **13 basis point** decrease from the prior quarter, but management expects approximately **5 basis points of NIM expansion** in Q4 2025.  **[0001327607_2202588_2]** **[0001327607_2202588_4]** 
- The company utilized its strong capital position to **repurchase shares**, which was **accretive to tangible book value per share**.  **[0001327607_2202588_0]**

MYFW Reports Q3 2025 Earnings, Net Income Up 45% Year-over-Year

- First Western Financial reported **net income of $3.2 million** and **$0.32 per diluted share** for Q3 2025, representing a **45% increase in EPS** from the prior year's third quarter.  **[0001327607_2202575_0]** 
- The company saw strong balance sheet growth, with **loans held for investment increasing by $50 million** and **total deposits growing by $320 million** from the prior quarter.  **[0001327607_2202575_1]** 
- **Gross revenue increased by 8.7%** quarter-over-quarter, driven by an **8.9% increase in net interest income** and an **8.5% increase in non-interest income**.  **[0001327607_2202575_2]** 
- Net Interest Margin (NIM) decreased by **13 basis points to 2.54%** in Q3 2025, but management expects it to expand by approximately **5 basis points in Q4 2025** as liquidity is deployed into the loan portfolio.  **[0001327607_2202575_2]** **[0001327607_2202575_3]** 
- **Tangible book value per share increased by 1.2%**, and the company repurchased shares during the quarter.  **[0001327607_2202575_0]**  Management anticipates continued positive trends in net interest margin, fee income, and operating leverage into Q4 2025 and 2026, aiming for a **1% Return on Average Assets (ROAA)**.  **[0001327607_2202575_2]** **[0001327607_2202575_8]**

First Western Financial Reports Q3 2025 Earnings with Increased Profitability and Strong Balance Sheet Growth

- First Western Financial reported **net income of $3.2 million** and **diluted earnings per share of $0.32** for Q3 2025, marking a **45% increase** in EPS from the third quarter of the previous year.  **[0001327607_2203074_0]** 
- The company achieved substantial balance sheet growth in Q3 2025, with **total deposits increasing by $320 million** and **loans held for investment growing by $50 million** from the prior quarter.  **[0001327607_2203074_1]** 
- **Gross revenue rose 8.7%** quarter-over-quarter and **15.5% year-over-year**, primarily driven by an **8.9% increase in net interest income** from the prior quarter.  **[0001327607_2203074_2]** 
- Net Interest Margin (NIM) decreased **13 basis points to 2.54%** in Q3 2025, but management expects **NIM expansion of approximately 5 basis points** in Q4 2025 as excess liquidity is deployed.  **[0001327607_2203074_2]** **[0001327607_2203074_3]** 
- Asset quality remained generally stable with minimal net charge-offs, and the allowance coverage increased to **81 basis points**.  **[0001327607_2203074_2]**  The company also executed a **share repurchase** during the quarter, which was accretive to tangible book value per share.  **[0001327607_2203074_0]**

First Western Financial Reports Q3 2025 Earnings with Increased Profitability and Strong Deposit Growth

- First Western Financial reported **net income of $3.2 million** and **diluted earnings per share of $0.32** for Q3 2025, representing a **45% increase** in EPS compared to Q3 2024.  **[0001327607_2203080_1]** 
- Gross revenue increased **8.7%** quarter-over-quarter and **15.5%** year-over-year, driven by an **8.9% increase in net interest income** and an **8.5% increase in non-interest income**.  **[0001327607_2203080_2]** 
- The company experienced substantial balance sheet growth in Q3 2025, with **loans held for investment increasing by $50 million** and **total deposits growing by $320 million** from the prior quarter.  **[0001327607_2203080_1]** 
- Net Interest Margin (NIM) decreased **13 basis points** to **2.54%** in Q3 2025, but management anticipates **5 basis points of NIM expansion** in Q4 2025 as liquidity is deployed into the loan portfolio.  **[0001327607_2203080_2]** **[0001327607_2203080_3]** 
- Tangible book value per share increased by **1.2%**, and the company repurchased shares during the quarter, which was accretive to tangible book value per share.  **[0001327607_2203080_1]**

First Western Financial (MYFW)