GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

MYFW · Sep 30, 2019

First Western Financial Inc. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]

Inspectable configuration

State dimensions

Filing0001558370-19-010417Bank

Sequential deposit growthRAWCurrent state valid · history insufficient

Evidence method

Sequential · gp.financial.deposits

10.32% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.net_income

42.45% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.financial.interest_expense

64.17% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.financial.interest_income

15.42% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient

Evidence method

Level · gp.fundamentals.cash

$146.2M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient

Evidence method

Sequential · gp.financial.loans

-1.39% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History9 statesSelf-history eligible

Sep 30, 20180/3 normalizedLevel 3 Dec 31, 20180/3 normalizedLevel 3 Mar 31, 20190/3 normalizedLevel 3 Jun 30, 20190/6 normalizedLevel 3 Sep 30, 20190/6 normalizedLevel 3 Dec 31, 20190/6 normalizedLevel 3 Mar 31, 20200/6 normalizedLevel 3 Jun 30, 20201/6 normalizedLevel 3 Sep 30, 20264/4 normalizedLevel 4

Period transition

What moved in the state?

Deposit Growth Increased

Previous: 2.77%
Current: 10.32%
Delta: 7.55%

Earnings Growth Increased

Previous: 33.97%
Current: 42.45%
Delta: 8.48%

Funding Cost Growth Decreased

Previous: 66.70%
Current: 64.17%
Delta: -2.53%

Interest Income Growth Decreased

Previous: 17.56%
Current: 15.42%
Delta: -2.14%

Liquidity Increased

Previous: $92.8M
Current: $146.2M
Delta: $53.4M

Loan Growth Decreased

Previous: 0.90%
Current: -1.39%
Delta: -2.28%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.

Research Graph

Related governed research

Transitioned To · MYFW Fundamental State →Has State · First Western Financial Inc →Transitioned To · MYFW Fundamental State →Transitioned To · MYFW DEPOSIT_GROWTH_INCREASED →Transitioned To · MYFW EARNINGS_GROWTH_INCREASED →Transitioned To · MYFW FUNDING_COST_GROWTH_DECREASED →Transitioned To · MYFW INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · MYFW LIQUIDITY_INCREASED →Transitioned To · MYFW LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.