WESTERN COMMERCE BANK

CARLSBAD, NM | Medium | Est. June 3, 1961, midnight | FDIC #18389 | RSSD #169756 | FDIC
Latest Report: 2025-12-31

WESTERN COMMERCE BANK is amn medium FDIC-insured commercial bank headquartered in CARLSBAD, NM, established in June 3, 1961, midnight. As of 2025-12-31, the bank reported total assets of $867M and total deposits of $780M. Profitability stands at 3.19% ROA and 33.00% ROE, with a net interest margin of 5.86%. The bank's CET1 capital ratio is 21.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.05% and a Texas Ratio of 10.82%. FDIC Certificate #18389.

Assets

$867M

Deposits

$780M

Loans

$478M

Equity

$85M

Profitability

Return on Assets (ROA) 3.19%
Return on Equity (ROE) 33.00%
Net Interest Margin (NIM) 5.86%
Yield on Assets 6.32%
Cost of Funds 0.47%

Asset Quality

NPL Ratio 2.05%
Net Charge-Off Ratio 0.03%
Texas Ratio 10.82%
NPA Ratio 1.13%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 21.96%
Tier 1 Capital 21.96%
Total Capital Ratio 23.21%
Leverage Ratio 9.55%
Loan-to-Deposit 61.23%

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