WESTERN BANK

LORDSBURG, NM | Small | Est. Sept. 29, 1907, midnight | FDIC #2249 | RSSD #723653 | FED
Latest Report: 2025-12-31

WESTERN BANK is asn small FDIC-insured commercial bank headquartered in LORDSBURG, NM, established in Sept. 29, 1907, midnight. As of 2025-12-31, the bank reported total assets of $322M and total deposits of $282M. Profitability stands at 2.21% ROA and 19.97% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 32.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 2.03%. FDIC Certificate #2249.

Assets

$322M

Deposits

$282M

Loans

$74M

Equity

$36M

Profitability

Return on Assets (ROA) 2.21%
Return on Equity (ROE) 19.97%
Net Interest Margin (NIM) 4.05%
Yield on Assets 4.60%
Cost of Funds 0.58%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.21%
Texas Ratio 2.03%
NPA Ratio 0.24%
ACL / Loans 1.96%

Capital & Liquidity

CET1 Ratio 32.46%
Tier 1 Capital 32.46%
Total Capital Ratio 33.70%
Leverage Ratio 11.74%
Loan-to-Deposit 26.26%

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