Western Commerce Bank
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
$863.5MAssets
$503.0MLoans
$779.5MDeposits
$82.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets operating in a single state (rank 12 of 755).
- Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets operating in a single state (rank 683 of 751).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
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 | 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 |