Western Commerce Bank
Carlsbad, NM · Cert 18389 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 10 of 746).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets operating in a single state (rank 672 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.56%
Rank 17 of 746
Net Interest Margin
4.86%
Rank 44 of 746
Efficiency Ratio
41.06%
Rank 28 of 746
Equity / Assets
9.54%
Rank 489 of 746
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 98% | 17 / 746 | | |
| Return on Equity | 26.79% | 6.74% | 10.51% | 13.63% | Beats 99% | 10 / 746 | | |
| Net Interest Margin | 4.86% | 3.17% | 3.68% | 4.16% | Beats 94% | 44 / 746 | | |
| Efficiency Ratio | 41.06% | 55.74% | 64.58% | 75.47% | Beats 96% | 28 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.42% | 1.07% | Beats 10% | 672 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 257 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 21.03% | 11.55% | 13.75% | 17.60% | Beats 85% | 109 / 746 | | |
| Total Risk-Based Capital Ratio | 22.28% | 11.71% | 14.33% | 18.43% | Beats 86% | 106 / 746 | | |
| Equity / Assets | 9.54% | 8.90% | 10.51% | 13.06% | Beats 34% | 489 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.53% | 61.31% | 78.27% | 90.78% | 29th pctl | 528 / 746 | | |
| Loans / Assets | 58.25% | 53.60% | 66.97% | 76.08% | 33rd pctl | 500 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |