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
Unfavorable gap of $17.0M · efficiency ratio beats 96% 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 | 2.56% | 0.72% | 1.07% | 1.45% | Beats 97% | 19 / 752 | |
| Return on Equity | 26.79% | 6.78% | 10.58% | 13.65% | Beats 99% | 11 / 752 | |
| Net Interest Margin | 4.86% | 3.18% | 3.69% | 4.17% | Beats 94% | 46 / 752 | |
| Efficiency Ratio | 41.06% | 55.75% | 64.49% | 75.47% | Beats 96% | 32 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.42% | 1.03% | Beats 9% | 681 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 256 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 21.03% | 11.55% | 13.75% | 17.60% | Beats 85% | 111 / 752 | |
| Total Risk-Based Capital Ratio | 22.28% | 11.70% | 14.33% | 18.47% | Beats 85% | 110 / 752 | |
| Equity / Assets | 9.54% | 8.93% | 10.56% | 13.13% | Beats 33% | 502 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 64.53% | 62.23% | 78.64% | 91.26% | 28th pctl | 539 / 752 | |
| Loans / Assets | 58.25% | 54.61% | 67.41% | 76.47% | 32nd pctl | 514 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |