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Western Commerce Bank

Carlsbad, NM · Cert 18389 · Western Com Bancshares Carlsbad

State charter, non-member · FDIC · 12 branches

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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

96

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 Commerce Bank

Carlsbad, NM · Cert 18389 · Western Com Bancshares Carlsbad

State charter, non-member · FDIC · 12 branches

Q2 2026

$863.5MAssets
$503.0MLoans
$779.5MDeposits
$82.4MEquity
Loan mix
83%RE $397.1M16%C&I $78.7M1%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $529.9M32%Noninterest $249.6MQ2 2025Q2 2026

NIM

5.67%Q2 ’245.59%Q2 ’255.24%Q2 ’26-4%-5%

Non-interest income vs. expense

2.16%Q2 ’242.26%Q2 ’252.12%Q2 ’26+6%-6%

Market Position · Albuquerque, NM · 2026 SOD (annual) · 0.1% share · #22 of 26 inst. · $0.0B of $19.8B

17.7% Eddy
8.2% Lea
1.9% Curry
0.1% Bernalillo

Executive Summary

  • Earnings: ROA of 2.52%, up 5 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 2.30% of loans (-36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.82%, down 28 bps from a year ago.
  • Funding: loans stand at 64.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.52%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.86%-26 bps YoY

Efficiency Ratio (YTD, annualized)

41.06%-39 bps YoY

Tier 1 Leverage Ratio

8.82%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.48%2.50%2.50%2.41%2.52%+5 bps
Return on Equity26.41%26.54%26.35%25.59%26.69%+28 bps
Net Interest Margin5.12%5.10%4.81%4.83%4.86%-26 bps
Efficiency Ratio41.45%41.14%41.98%41.83%41.06%-39 bps
Non-Interest Burden1.93%1.91%1.85%1.87%1.82%-11 bps
Growth
Asset Growth (YoY)8.03%7.67%10.98%7.94%7.35%-68 bps
Loan Growth (YoY)2.75%3.55%5.15%7.96%10.22%+747 bps
Deposit Growth (YoY)8.30%7.84%11.62%7.85%7.18%-112 bps
Asset Quality
Nonperforming Loans / Loans2.66%2.52%2.05%2.15%2.30%-36 bps
Net Charge-Offs / Loans0.08%0.03%0.03%0.00%0.00%-8 bps
Allowance / Loans1.10%1.12%1.08%1.07%1.06%-5 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio9.10%9.52%9.55%8.74%8.82%-28 bps
Total Risk-Based Capital22.63%17.78%23.21%20.97%22.28%-35 bps
Equity / Assets9.26%9.48%9.85%8.97%9.54%+29 bps
Liquidity & Funding
Loans / Deposits62.75%61.81%61.23%60.24%64.53%+178 bps
Liquid Assets / Assets39.59%40.59%41.16%41.75%38.23%-136 bps
CRE / Total Capitaln/a272%260%287%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 Commerce Bank

Carlsbad, NM · Cert 18389 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Western Com Bancshares Carlsbad

State charter, non-member · FDIC · 12 branches

Q2 2026

$863.5MAssets
$503.0MLoans
$779.5MDeposits
$82.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating in a single state (rank 11 of 752).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets operating in a single state (rank 681 of 748).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.56%

Rank 19 of 752

Net Interest Margin

4.86%

Rank 46 of 752

Efficiency Ratio

41.06%

Rank 32 of 752

Equity / Assets

9.54%

Rank 502 of 752

Non-interest income vs. expense

$2.8M$19.8MINCOMEEXPENSE
Unfavorable gap of $17.0M · efficiency ratio beats 96% of banks under $1B in assets operating in a single state
Bank 41.06%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.56%0.72%1.07%1.45%Beats 97%19 / 752
Return on Equity26.79%6.78%10.58%13.65%Beats 99%11 / 752
Net Interest Margin4.86%3.18%3.69%4.17%Beats 94%46 / 752
Efficiency Ratio41.06%55.75%64.49%75.47%Beats 96%32 / 752
Asset Quality
Nonperforming Loans / Loans2.30%0.09%0.42%1.03%Beats 9%681 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 66%256 / 748
Capital
Tier 1 Capital Ratio21.03%11.55%13.75%17.60%Beats 85%111 / 752
Total Risk-Based Capital Ratio22.28%11.70%14.33%18.47%Beats 85%110 / 752
Equity / Assets9.54%8.93%10.56%13.13%Beats 33%502 / 752
Liquidity & Funding
Loans / Deposits64.53%62.23%78.64%91.26%28th pctl539 / 752
Loans / Assets58.25%54.61%67.41%76.47%32nd pctl514 / 752
Brokered Deposits / Depositsn/aNot reported for this institution