FDIC Cert #2249 · Lordsburg, New Mexico · Est. 1907

Western Bank - FDIC Bank Health Profile

A community-scale look at Western Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$322M
Total assets
A
Health grade · Excellent
2.04%
Return on assets
32.5%
Tier 1 capital

Data updated July 2026

The verdict

Western Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 32.46% Tier 1, profitable at 2.04% ROA, efficient (53% cost ratio).

#2,391
largest of 4,313 FDIC banks by assets
45th
percentile by asset size, nationally
32.46%
Tier 1 ratio - above the 10% well-capitalized line
91st
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.

FDIC Call Report plate

Cert 2249 · NM A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #209/4307
  • PHOTO-FINISH Farmers & Merchants… · NC
  • TIER1-WELL 32.5% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-STRONG 2.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Farmers & Merchants Bank, NC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Western Bank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Stockton · CA · near97/100Farmers & Merchants… · NC · …97/100The Farmers Bank · TN · near97/100The Salyersville Nat… · KY ·…97/100Western Bank · NM · this bank97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Western Bank · July 2026

What Western Bank's Call Report plate shows

Western Bank (FDIC Cert #2249) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #209 of 4,307. Tier 1 capital prints at 32.46%, clearing the 10% well-capitalized line. The Texas Ratio is 1.49%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.04%. Balance-sheet scale is $322M, 2,391st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers & Merchants Bank (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Western Bank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

Western Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Western Bank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How Western Bank's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Western Bank's composite health score
Tier 1 Capital Ratio (32.46%) 40/40
Return on Assets (ROA) (2.04%) 25/25
Texas Ratio (1.49%) 20/20
Efficiency Ratio (52.56%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$322M

Total balance-sheet footings

Total Deposits

$282M

Customer-funded liabilities

Net Loans

$73M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 31.06% 32.46% 33.86%
Basel III capital ratios - Western Bank

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 97/100 falls in the highlighted band.

Western Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 5% higher than 95% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Western Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 $322M falls in the highlighted band.

Safety ratios for Western Bank

Tier 1 capital ratio
Well-capitalized 10%

32.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
32.46%
Texas Ratio
1.49%
Equity Capital
$36M

What these ratios mean →

Earnings posture at Western Bank

Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
17.81%
Efficiency Ratio
52.56%

What these mean →

Income & expense at Western Bank

$13M
Interest Income
$2M
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 1.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Western Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($322M here), outside New Mexico so the neighborhood is not state containment.

The National Bank of Andrews $322M · TX Community Bank of Parkersburg $322M · WV Security Bank $321M · NE American Community Bank $321M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Western Bank (FDIC Cert #2249) - 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.

Western Bank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
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%