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Western Bank
Lordsburg, NM · FDIC Certificate #2249 · Chartered 09/2
Total assets
$325.89M
Total deposits
$285.74M
Total equity
$36.58M
Net loans
$74.84M
Branches (offices)
5
Net income (YTD)
$3.16M
Rank: #2,354 of 4,213 U.S. banks by assets · #18 of 29 in New Mexico. Assets changed 4.5% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 17.47% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 11.22% |
| Tier 1 leverage ratio | 12.21% |
| Uninsured deposits (share of deposits) | 37.2% |
| Noncurrent loans (share of loans) | 0.64% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 26.2% |
| Real estate loans (share of loans) | 71.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $53.76M | 71.8% | |
| Commercial & industrial | $7.34M | 9.8% | |
| Consumer / individual | $3.30M | 4.4% | |
| Construction & development | $6.94M | 9.3% | |
| Agricultural | $9.12M | 12.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $288.37M | $260.60M | $3.35M | $25.30M |
| Jun 2023 | $282.65M | $250.87M | $2.63M | $28.55M |
| Jun 2024 | $292.30M | $255.28M | $2.78M | $33.65M |
| Jun 2025 | $311.71M | $274.51M | $2.82M | $33.60M |
| Jun 2026 | $325.89M | $285.74M | $3.16M | $36.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $190.83M | 3 |
| Arizona | $94.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $285.74M.
Similar-sized banks
Elizabethton Federal Savings Bank ($326.01M) · First State Bank Of Burnet ($325.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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