Carlsbad, NM · Cert 18389 · Western Com Bancshares Carlsbad
State charter, non-member · FDIC · 12 branches
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=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
38
Profitability
96
Liquidity
55
Efficiency
96
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.
Carlsbad, NM · Cert 18389 · Western Com Bancshares Carlsbad
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Albuquerque, NM · 2026 SOD (annual) · 0.1% share · #22 of 26 inst. · $0.0B of $19.8B
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 | 2.64% | 2.63% | 2.30% | 2.48% | 2.50% | 2.50% | 2.41% | 2.52% | +5 bps | |
| Return on Equity | 29.15% | 28.28% | 24.39% | 26.41% | 26.54% | 26.35% | 25.59% | 26.69% | +28 bps | |
| Net Interest Margin | 5.33% | 5.12% | 5.07% | 5.12% | 5.10% | 4.81% | 4.83% | 4.86% | -26 bps | |
| Efficiency Ratio | 38.66% | 39.38% | 43.42% | 41.45% | 41.14% | 41.98% | 41.83% | 41.06% | -39 bps | |
| Non-Interest Burden | 1.84% | 1.80% | 2.01% | 1.93% | 1.91% | 1.85% | 1.87% | 1.82% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | -1.33% | 5.23% | 8.03% | 7.67% | 10.98% | 7.94% | 7.35% | -68 bps | |
| Loan Growth (YoY) | 5.26% | 3.19% | 3.47% | 2.75% | 3.55% | 5.15% | 7.96% | 10.22% | +747 bps | |
| Deposit Growth (YoY) | 0.44% | -2.48% | 5.33% | 8.30% | 7.84% | 11.62% | 7.85% | 7.18% | -112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.49% | 1.31% | 2.66% | 2.66% | 2.52% | 2.05% | 2.15% | 2.30% | -36 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.27% | 0.16% | 0.08% | 0.03% | 0.03% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.09% | 1.10% | 1.12% | 1.08% | 1.07% | 1.06% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.94% | 8.96% | 9.10% | 9.52% | 9.55% | 8.74% | 8.82% | -28 bps | |
| Total Risk-Based Capital | 21.76% | 23.04% | 21.24% | 22.63% | 17.78% | 23.21% | 20.97% | 22.28% | -35 bps | |
| Equity / Assets | 9.50% | 10.18% | 8.74% | 9.26% | 9.48% | 9.85% | 8.97% | 9.54% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.37% | 65.00% | 60.18% | 62.75% | 61.81% | 61.23% | 60.24% | 64.53% | +178 bps | |
| Liquid Assets / Assets | 38.79% | 38.68% | 41.92% | 39.59% | 40.59% | 41.16% | 41.75% | 38.23% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 272% | 260% | 287% | n/a | n/a | |
Carlsbad, NM · Cert 18389 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Western Com Bancshares Carlsbad
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
2.56%
Rank 20 of 755
Net Interest Margin
4.86%
Rank 47 of 755
Efficiency Ratio
41.06%
Rank 32 of 755
Equity / Assets
9.54%
Rank 504 of 755
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.56% | 0.72% | 1.06% | 1.45% | Beats 97% | 20 / 755 | ||
| Return on Equity | 26.79% | 6.66% | 10.44% | 13.61% | Beats 98% | 12 / 755 | ||
| Net Interest Margin | 4.86% | 3.15% | 3.68% | 4.17% | Beats 94% | 47 / 755 | ||
| Efficiency Ratio | 41.06% | 55.75% | 64.78% | 75.61% | Beats 96% | 32 / 755 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.42% | 1.05% | Beats 9% | 683 / 751 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 257 / 751 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.03% | 11.56% | 13.81% | 17.74% | Beats 85% | 113 / 755 | ||
| Total Risk-Based Capital Ratio | 22.28% | 11.72% | 14.46% | 18.53% | Beats 85% | 112 / 755 | ||
| Equity / Assets | 9.54% | 8.93% | 10.56% | 13.13% | Beats 33% | 504 / 755 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.53% | 62.43% | 78.62% | 91.00% | 28th pctl | 545 / 755 | ||
| Loans / Assets | 58.25% | 54.70% | 67.27% | 76.55% | 31st pctl | 518 / 755 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||