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Western Bank, Artesia, New Mexico

Artesia, NM · Cert 16720 · Western Bancshares of NM, Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Western Bank, Artesia, New Mexico

Artesia, NM · Cert 16720 · Western Bancshares of NM, Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$350.5MAssets
$173.0MLoans
$313.2MDeposits
$33.2MEquity
Loan mix
26%RE $45.0M69%C&I $119.8M5%Consumer $7.8MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $165.9M47%Noninterest $147.3MQ2 2025Q2 2026

NIM

4.88%Q2 ’244.92%Q2 ’254.99%Q2 ’26+1%-6%

Non-interest income vs. expense

1.64%Q2 ’241.82%Q2 ’251.87%Q2 ’26+9%+4%

Executive Summary

  • Earnings: ROA of 2.20%, down 15 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.14%, up 92 bps from a year ago.
  • Funding: loans stand at 55.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.20%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-28 bps YoY

Efficiency Ratio (YTD, annualized)

39.83%+335 bps YoY

Tier 1 Leverage Ratio

11.14%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.35%2.39%2.23%2.33%2.20%-15 bps
Return on Equity29.18%27.84%25.16%23.20%22.33%-685 bps
Net Interest Margin4.77%5.05%5.05%4.51%4.49%-28 bps
Efficiency Ratio36.48%35.70%40.27%39.14%39.83%+335 bps
Non-Interest Burden1.60%1.65%1.90%1.64%1.66%+6 bps
Growth
Asset Growth (YoY)-5.71%-19.22%-17.30%-5.53%8.98%+1,469 bps
Loan Growth (YoY)7.47%19.50%20.54%15.46%8.06%+59 bps
Deposit Growth (YoY)-7.73%-21.95%-20.53%-7.76%8.16%+1,588 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.08%0.06%0.07%0.01%-12 bps
Allowance / Loans1.18%1.12%1.14%1.18%1.21%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.22%11.11%10.94%10.83%11.14%+92 bps
Total Risk-Based Capital17.07%16.52%15.78%16.51%16.77%-30 bps
Equity / Assets9.10%10.47%10.09%10.00%9.46%+36 bps
Liquidity & Funding
Loans / Deposits55.29%66.00%65.65%60.97%55.24%-5 bps
Liquid Assets / Assets16.70%20.76%20.69%20.40%19.98%+327 bps
CRE / Total Capitaln/a105.64%111.46%98.78%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Western Bank, Artesia, New Mexico

Artesia, NM · Cert 16720 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Western Bancshares of NM, Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$350.5MAssets
$173.0MLoans
$313.2MDeposits
$33.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 748).
  • Widest gap: equity / assets trails 68% of banks under $1B in assets operating in a single state (rank 513 of 752).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.04%

Rank 40 of 752

Net Interest Margin

4.49%

Rank 101 of 752

Efficiency Ratio

39.83%

Rank 27 of 752

Equity / Assets

9.46%

Rank 513 of 752

Non-interest income vs. expense

$0.7M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 39.83%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%0.72%1.07%1.45%Beats 95%40 / 752
Return on Equity21.52%6.78%10.58%13.65%Beats 97%21 / 752
Net Interest Margin4.49%3.18%3.69%4.17%Beats 87%101 / 752
Efficiency Ratio39.83%55.75%64.49%75.47%Beats 97%27 / 752
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.03%Beats 100%105 / 748
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%481 / 748
Capital
Tier 1 Capital Ratio15.80%11.55%13.75%17.60%Beats 67%248 / 752
Total Risk-Based Capital Ratio16.77%11.70%14.33%18.47%Beats 68%237 / 752
Equity / Assets9.46%8.93%10.56%13.13%Beats 32%513 / 752
Liquidity & Funding
Loans / Deposits55.24%62.23%78.64%91.26%17th pctl627 / 752
Loans / Assets49.37%54.61%67.41%76.47%19th pctl611 / 752
Brokered Deposits / Depositsn/aNot reported for this institution