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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

$350.5MAssets
$173.0MLoans
$313.2MDeposits
$33.2MEquity
Loan mix
26%RE $45.0M69%C&I $119.8M5%Consumer $7.8MQ3 2024Q2 2026
Deposit mix
53%Interest-bearing $165.9M47%Noninterest $147.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.55%2.52%2.21%2.35%2.39%2.23%2.33%2.20%-15 bps
Return on Equity35.93%35.71%29.20%29.18%27.84%25.16%23.20%22.33%-685 bps
Net Interest Margin4.80%4.60%4.69%4.77%5.05%5.05%4.51%4.49%-28 bps
Efficiency Ratio33.31%34.55%37.53%36.48%35.70%40.27%39.14%39.83%+335 bps
Non-Interest Burden1.48%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.04%0.05%0.13%0.08%0.06%0.07%0.01%-12 bps
Allowance / Loans1.23%1.25%1.27%1.18%1.12%1.14%1.18%1.21%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.24%8.39%9.81%10.22%11.11%10.94%10.83%11.14%+92 bps
Total Risk-Based Capital16.45%15.71%16.78%17.07%16.52%15.78%16.51%16.77%-30 bps
Equity / Assets7.62%6.95%8.22%9.10%10.47%10.09%10.00%9.46%+36 bps
Liquidity & Funding
Loans / Deposits43.11%43.28%48.71%55.29%66.00%65.65%60.97%55.24%-5 bps
Liquid Assets / Assets12.39%13.06%15.26%16.70%20.76%20.69%20.40%19.98%+327 bps
CRE / Total Capitaln/an/an/an/a105.64%111.46%98.78%n/an/a