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Western Commerce Bank
Carlsbad, NM · FDIC Certificate #18389 · Chartered 06/0
Total assets
$863.54M
Total deposits
$779.50M
Total equity
$82.42M
Net loans
$497.73M
Branches (offices)
12
Net income (YTD)
$14.06M
Rank: #1,180 of 4,213 U.S. banks by assets · #7 of 29 in New Mexico. Assets changed 7.4% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.21% |
| Return on equity | 34.00% |
| Net interest margin (YTD) | 5.38% |
| Equity to assets | 9.54% |
| Tier 1 leverage ratio | 8.82% |
| Uninsured deposits (share of deposits) | 66.1% |
| Noncurrent loans (share of loans) | 2.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 63.9% |
| Real estate loans (share of loans) | 81.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $403.89M | 81.1% | |
| Commercial & industrial | $83.16M | 16.7% | |
| Consumer / individual | $4.16M | 0.8% | |
| Construction & development | $26.63M | 5.4% | |
| Agricultural | $1.27M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $617.42M | $570.09M | $5.52M | $46.83M |
| Jun 2023 | $773.09M | $707.00M | $10.51M | $60.33M |
| Jun 2024 | $744.61M | $671.56M | $13.31M | $69.32M |
| Jun 2025 | $804.40M | $727.30M | $12.68M | $74.47M |
| Jun 2026 | $863.54M | $779.50M | $14.06M | $82.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $779.50M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $779.50M.
Similar-sized banks
Bank Of San Francisco ($863.55M) · Farmers And Merchants Bank ($861.96M)
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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