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
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.
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.
Capital
56
Asset Quality
68
Profitability
93
Liquidity
26
Efficiency
97
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.
Artesia, NM · Cert 16720 · Western Bancshares of NM, Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.55% | 2.52% | 2.21% | 2.35% | 2.39% | 2.23% | 2.33% | 2.20% | -15 bps | |
| Return on Equity | 35.93% | 35.71% | 29.20% | 29.18% | 27.84% | 25.16% | 23.20% | 22.33% | -685 bps | |
| Net Interest Margin | 4.80% | 4.60% | 4.69% | 4.77% | 5.05% | 5.05% | 4.51% | 4.49% | -28 bps | |
| Efficiency Ratio | 33.31% | 34.55% | 37.53% | 36.48% | 35.70% | 40.27% | 39.14% | 39.83% | +335 bps | |
| Non-Interest Burden | 1.48% | 1.47% | 1.62% | 1.60% | 1.65% | 1.90% | 1.64% | 1.66% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.56% | 10.80% | -5.48% | -5.71% | -19.22% | -17.30% | -5.53% | 8.98% | +1,469 bps | |
| Loan Growth (YoY) | 4.43% | 1.45% | 7.09% | 7.47% | 19.50% | 20.54% | 15.46% | 8.06% | +59 bps | |
| Deposit Growth (YoY) | 19.19% | 10.35% | -7.38% | -7.73% | -21.95% | -20.53% | -7.76% | 8.16% | +1,588 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.05% | 0.13% | 0.08% | 0.06% | 0.07% | 0.01% | -12 bps | |
| Allowance / Loans | 1.23% | 1.25% | 1.27% | 1.18% | 1.12% | 1.14% | 1.18% | 1.21% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 8.39% | 9.81% | 10.22% | 11.11% | 10.94% | 10.83% | 11.14% | +92 bps | |
| Total Risk-Based Capital | 16.45% | 15.71% | 16.78% | 17.07% | 16.52% | 15.78% | 16.51% | 16.77% | -30 bps | |
| Equity / Assets | 7.62% | 6.95% | 8.22% | 9.10% | 10.47% | 10.09% | 10.00% | 9.46% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.11% | 43.28% | 48.71% | 55.29% | 66.00% | 65.65% | 60.97% | 55.24% | -5 bps | |
| Liquid Assets / Assets | 12.39% | 13.06% | 15.26% | 16.70% | 20.76% | 20.69% | 20.40% | 19.98% | +327 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 105.64% | 111.46% | 98.78% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.04% | 0.72% | 1.07% | 1.45% | Beats 95% | 40 / 752 | ||
| Return on Equity | 21.52% | 6.78% | 10.58% | 13.65% | Beats 97% | 21 / 752 | ||
| Net Interest Margin | 4.49% | 3.18% | 3.69% | 4.17% | Beats 87% | 101 / 752 | ||
| Efficiency Ratio | 39.83% | 55.75% | 64.49% | 75.47% | Beats 97% | 27 / 752 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.03% | Beats 100% | 105 / 748 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 481 / 748 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.80% | 11.55% | 13.75% | 17.60% | Beats 67% | 248 / 752 | ||
| Total Risk-Based Capital Ratio | 16.77% | 11.70% | 14.33% | 18.47% | Beats 68% | 237 / 752 | ||
| Equity / Assets | 9.46% | 8.93% | 10.56% | 13.13% | Beats 32% | 513 / 752 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.24% | 62.23% | 78.64% | 91.26% | 17th pctl | 627 / 752 | ||
| Loans / Assets | 49.37% | 54.61% | 67.41% | 76.47% | 19th pctl | 611 / 752 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||