Total Assets
$867M
Total balance-sheet footings
FDIC Cert #18389 · Carlsbad, New Mexico · Est. 1961
Western Commerce Bank - FDIC Bank Health Profile
A community-scale look at Western Commerce Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $867M
- Total assets
- A
- Health grade · Excellent
- 3.17%
- Return on assets
- 22.0%
- Tier 1 capital
Data updated July 2026
The verdict
Western Commerce Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 21.96% Tier 1, profitable at 3.17% ROA, efficient (42% cost ratio).
- #1,184
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 21.96%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Western Commerce Bank's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Western Commerce Bank's composite health score
Tier 1 Capital Ratio (21.96%) 40/40
Return on Assets (ROA) (3.17%) 25/25
Texas Ratio (10.82%) 16/20
Efficiency Ratio (41.98%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$780M
Customer-funded liabilities
Net Loans
$473M
Outstanding loan book
Net Income
$26M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Western Commerce Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Commerce Bank's score of 96/100 falls in the highlighted band.
Western Commerce 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 Commerce Bank's $867M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.96%
Texas Ratio
10.82%
Equity Capital
$85M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
3.17%
Return on Equity (ROE)
33.40%
Efficiency Ratio
41.98%
What the numbers say about Western Commerce Bank
Western Commerce Bank is an FDIC-insured institution (Certificate #18389) headquartered in Carlsbad, New Mexico, established in 1961. It holds $867M in total assets - 1,184th of 4,313 FDIC-insured banks, $780M in customer deposits, and $473M in net loans. Looking at capital strength, Tier 1 stands at 21.96%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.82%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (96/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Mexico, Western Commerce Bank ranks 7th of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$47M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Commerce Bank reports a Texas Ratio of 10.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.82% - 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 Commerce Bank (FDIC Cert #18389) - 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% |
| The Citizens BankFarmington | $774M | A | 2.07% |
| Lea County State BankHobbs | $708M | A | 1.63% |
Frequently asked questions
What is Western Commerce Bank's health grade?▼
Western Commerce Bank receives a health grade of A (96/100) 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 Commerce Bank?▼
Western Commerce Bank holds $867M in total assets and $780M in deposits, ranking 1,184th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carlsbad, New Mexico.
Is my money safe at Western Commerce Bank?▼
Yes, deposits at Western Commerce Bank (Certificate #18389) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Western Commerce Bank's Tier 1 Capital Ratio?▼
Western Commerce Bank has a Tier 1 Capital Ratio of 21.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Western Commerce Bank?▼
Western Commerce Bank has a Texas Ratio of 10.82%. A ratio below 50% is generally considered 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 Commerce Bank?▼
Western Commerce Bank has an Efficiency Ratio of 41.98%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Western Commerce Bank's profile as a depositor or analyst.
- Western Commerce Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Western Commerce 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.