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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.57% | 2.57% | 2.30% | 2.61% | 2.56% | 2.52% | 2.41% | 2.61% | 0 bps | |
| Return on Equity | 27.28% | 26.15% | 24.39% | 29.05% | 27.27% | 26.03% | 25.59% | 28.22% | -84 bps | |
| Net Interest Margin | 5.21% | 5.28% | 5.07% | 5.23% | 5.16% | 5.11% | 4.83% | 4.96% | -27 bps | |
| Efficiency Ratio | 39.67% | 41.45% | 43.42% | 39.55% | 40.52% | 44.32% | 41.83% | 40.33% | +79 bps | |
| Non-Interest Burden | 1.83% | 1.96% | 2.01% | 1.87% | 1.90% | 2.09% | 1.87% | 1.80% | -7 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 | 0.94% | 0.15% | 0.16% | 0.00% | -0.06% | 0.02% | 0.00% | 0.01% | +1 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 | |