Western Bank
Lordsburg, NM · Cert 2249 · Peer group: banks under $1B in assets operating regionally (n=94) · Lordsburg Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$325.9MAssets
$76.3MLoans
$285.7MDeposits
$36.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets operating regionally (rank 1 of 94).
- Widest gap: net interest margin trails 67% of banks under $1B in assets operating regionally (rank 63 of 94).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.52%
Rank 16 of 94
Net Interest Margin
3.61%
Rank 63 of 94
Efficiency Ratio
54.03%
Rank 16 of 94
Equity / Assets
11.22%
Rank 29 of 94
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 84% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.82% | 1.19% | 1.46% | Beats 83% | 16 / 94 | | |
| Return on Equity | 13.55% | 7.85% | 11.84% | 14.03% | Beats 71% | 27 / 94 | | |
| Net Interest Margin | 3.61% | 3.42% | 3.81% | 4.18% | Beats 33% | 63 / 94 | | |
| Efficiency Ratio | 54.03% | 55.99% | 62.41% | 73.02% | Beats 84% | 16 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.19% | 0.47% | 1.14% | Beats 43% | 55 / 94 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 61% | 38 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 32.97% | 10.28% | 11.95% | 15.07% | Beats 99% | 1 / 94 | | |
| Total Risk-Based Capital Ratio | 34.21% | 10.31% | 12.59% | 15.88% | Beats 99% | 1 / 94 | | |
| Equity / Assets | 11.22% | 8.98% | 10.21% | 11.41% | Beats 69% | 29 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.71% | 72.62% | 84.44% | 94.55% | 0th pctl | 94 / 94 | | |
| Loans / Assets | 23.42% | 62.50% | 72.84% | 78.99% | 0th pctl | 94 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |