STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
344
2010–2026
Total Volume
$107M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
344 total segments
First Western Bank & Trust has a strong focus on existing businesses, with 61% of their deals serving this purpose. This makes them a solid choice for established businesses looking to expand or refinance.
With an average 7(a) spread of P+1.59%, First Western Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's growth trend shows a decline of 9% year-over-year, which may indicate a tightening in lending criteria. Borrowers should be prepared for potentially more scrutiny during the application process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 50 504 loans, which use fixed SBA debenture rates.
States where First Western Bank & Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Real Estate
Real Estate
Transportation & Warehousing
Transportation & Warehousing
Building Construction
Construction
+ 7 more
All recorded SBA lending activity for First Western Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+2.50% | $54K | Q1 2025 |
| Minnesota · Transportation & Warehousing · Under $150K | 7(a) | 10 | P+2.25% | $68K | Q3 2020 |
| North Dakota · Other Health Practitioners · $150K – $350K | 7(a) | 9 | P+1.50% | $217K | Q4 2023 |
| North Dakota · Manufacturing · Under $150K | 7(a) | 9 | P+2.50% | $67K | Q1 2021 |
| North Dakota · Real Estate · Under $150K | 7(a) | 8 | P+0.63% | $92K | Q3 2023 |
| North Dakota · Other Health Practitioners · Under $150K | 7(a) | 8 | P+1.75% | $77K | Q3 2021 |
| Minnesota · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+1.50% | $72K | Q4 2023 |
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 8 | P+2.25% | $79K | Q4 2022 |
| North Dakota · Restaurants & Food Service · $150K – $350K | 7(a) | 8 | P+1.88% | $288K | Q1 2024 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 7 | P+1.50% | $244K | Q2 2023 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+1.63% | $50K | Q4 2019 |
| Minnesota · Agriculture & Forestry · Under $150K | 7(a) | 6 | P+1.88% | $76K | Q1 2021 |
| North Dakota · Building Construction · Under $150K | 7(a) | 6 | P+2.00% | $93K | Q1 2022 |
| Minnesota · Legal Services · Under $150K | 7(a) | 5 | P+0.50% | $62K | Q2 2025 |
| Minnesota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.25% | $53K | Q1 2021 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $72K | Q4 2023 |
| North Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+0.50% | $92K | Q4 2023 |
| North Dakota · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 5 | P+1.00% | $245K | Q4 2025 |
| North Dakota · Engineering & Architecture · Under $150K | 7(a) | 5 | P+2.75% | $77K | Q1 2023 |
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.25% | $82K | Q2 2021 |
| Minnesota · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+1.75% | $46K | Q3 2024 |
| Minnesota · Building Construction · Under $150K | 7(a) | 4 | P+1.88% | $108K | Q3 2023 |
| Minnesota · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.50% | $82K | Q2 2022 |
| Minnesota · Real Estate · Under $150K | 7(a) | 3 | P+1.25% | $32K | Q3 2022 |
| Minnesota · Management & IT Consulting · Under $150K | 7(a) | 3 | P+2.00% | $55K | Q3 2024 |
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Real experiences from borrowers who closed SBA loans with First Western Bank & Trust.
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