Total Assets
$305M
Total balance-sheet footings
FDIC Cert #16720 · Artesia, New Mexico · Est. 1948
Western Bank - FDIC Bank Health Profile
A community-scale look at Western Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $305M
- Total assets
- A
- Health grade · Excellent
- 2.83%
- Return on assets
- 14.8%
- Tier 1 capital
Data updated July 2026
The verdict
Western Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.83% Tier 1, profitable at 2.83% ROA, efficient (40% cost ratio).
- #2,464
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 14.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Western Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Western Bank's composite health score
Tier 1 Capital Ratio (14.83%) 35/40
Return on Assets (ROA) (2.83%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (40.27%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$271M
Customer-funded liabilities
Net Loans
$176M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Western Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Bank's score of 95/100 falls in the highlighted band.
Western Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Western Bank's $305M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.83%
Texas Ratio
0.00%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.83%
Return on Equity (ROE)
31.89%
Efficiency Ratio
40.27%
What the numbers say about Western Bank
Western Bank is an FDIC-insured institution (Certificate #16720) headquartered in Artesia, New Mexico, established in 1948. It holds $305M in total assets - 2,464th of 4,313 FDIC-insured banks, $271M in customer deposits, and $176M in net loans. Capital-wise, the Tier 1 ratio sits at 14.83%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Western Bank sits 18th of 29 banks headquartered in New Mexico by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$703K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Western Bank (FDIC Cert #16720) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is Western Bank's health grade?▼
Western Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Western Bank?▼
Western Bank holds $305M in total assets and $271M in deposits, ranking 2,464th of 4,313 FDIC-insured banks by asset size. It is headquartered in Artesia, New Mexico.
Is my money safe at Western Bank?▼
Yes, deposits at Western Bank (Certificate #16720) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Western Bank's Tier 1 Capital Ratio?▼
Western Bank has a Tier 1 Capital Ratio of 14.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Western Bank?▼
Western Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Western Bank?▼
Western Bank has an Efficiency Ratio of 40.27%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Western Bank's profile as a depositor or analyst.
- Western Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Western Bank against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.