Western Bank, Artesia, New Mexico
Artesia, NM · Cert 16720 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 743).
- Widest gap: equity / assets trails 67% of banks under $1B in assets operating in a single state (rank 500 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.04%
Rank 35 of 746
Net Interest Margin
4.49%
Rank 95 of 746
Efficiency Ratio
39.83%
Rank 23 of 746
Equity / Assets
9.46%
Rank 500 of 746
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.72% | 1.06% | 1.45% | Beats 95% | 35 / 746 | |
| Return on Equity | 21.52% | 6.74% | 10.51% | 13.63% | Beats 97% | 21 / 746 | |
| Net Interest Margin | 4.49% | 3.17% | 3.68% | 4.16% | Beats 87% | 95 / 746 | |
| Efficiency Ratio | 39.83% | 55.74% | 64.58% | 75.47% | Beats 97% | 23 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 35% | 486 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.80% | 11.55% | 13.75% | 17.60% | Beats 67% | 246 / 746 | |
| Total Risk-Based Capital Ratio | 16.77% | 11.71% | 14.33% | 18.43% | Beats 68% | 236 / 746 | |
| Equity / Assets | 9.46% | 8.90% | 10.51% | 13.06% | Beats 33% | 500 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 55.24% | 61.31% | 78.27% | 90.78% | 17th pctl | 616 / 746 | |
| Loans / Assets | 49.37% | 53.60% | 66.97% | 76.08% | 20th pctl | 599 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |