First Western Financial Q4 Earnings Call Highlights: Improved Profitability, Strong Balance Sheet Growth, and Stable Credit Trends

First Western Financial reported Q4 net income of $3.3 million ($0.34 EPS), with a $1.4 million OREO write-down reducing EPS by ~$0.10. The balance sheet strengthened with loans up $59 million and deposits increasing $102 million. Net interest margin expanded to 2.71% and non-interest income fell modestly due to seasonal mortgage gain-on-sale and insurance fees. Credit trends remained stable, and management expects similar growth and margin/fee improvements in 2026.