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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 18389 · NM A · 96/100

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

  • GRADE-A A (96/100)
  • TOP-DECILE #282/4307
  • PHOTO-FINISH First Bank and Trust… · IL
  • TIER1-WELL 22.0% Tier 1
  • TEXAS-CLEAN 10.8% Texas
  • ROA-STRONG 3.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: First Bank and Trust Company of Illinois, IL (±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 Commerce Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Bank and Trust… · IL ·…96/100Hodge Bank & Trust C… · LA ·…96/100Plains State Bank · TX · near96/100The Dolores State Bank · CO …96/100Western Commerce Bank · NM ·…96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Western Commerce Bank · July 2026

What Western Commerce Bank's Call Report plate shows

Western Commerce Bank (FDIC Cert #18389) carries a PlainBankData health grade of A at 96/100, 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 #282 of 4,307. Tier 1 capital prints at 21.96%, clearing the 10% well-capitalized line. The Texas Ratio is 10.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.17%. Balance-sheet scale is $867M, 1,184th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bank and Trust Company of Illinois (IL), 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 Commerce Bank

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

Western Commerce 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 Commerce 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 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.

0/100100/100National avg77/10096/100
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 Assets

$867M

Total balance-sheet footings

Total Deposits

$780M

Customer-funded liabilities

Net Loans

$473M

Outstanding loan book

Net Income

$26M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.56% 21.96% 23.36%
Basel III capital ratios - Western Commerce Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 7% higher than 93% 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 Commerce 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 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 ratios for Western Commerce Bank

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

What these ratios mean →

Earnings posture at Western Commerce Bank

Return on Assets (ROA)
98th percentile nationally
3.17%
Return on Equity (ROE)
33.40%
Efficiency Ratio
41.98%

What these mean →

Income & expense at Western Commerce Bank

$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.

FDIC Failed Bank List → View Western Commerce 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 ($867M here), outside New Mexico so the neighborhood is not state containment.

Community Federal Savings Bank $866M · NY First Liberty Bank $866M · TX American Plus Bank $867M · CA State Bank $865M · IN

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.

Western Commerce 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%
The Citizens BankFarmington $774M A 2.07%
Lea County State BankHobbs $708M A 1.63%