WESTERN BANK
WESTERN BANK is an FDIC-insured commercial bank headquartered in LORDSBURG, NM, established in 1907. As of , 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 3.84%. CET1 capital ratio: 32.46%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 2.03%. Operates 5 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 32.46% | 2.21% | 0.75% | 2.03% | 3.84% |
| 2025-09-30 | 32.92% | 2.17% | 1.05% | 2.61% | 3.82% |
| 2025-06-30 | 32.46% | 1.89% | 1.54% | 3.22% | 3.73% |
| 2025-03-31 | 36.79% | 1.88% | 1.65% | 3.01% | 3.66% |
| 2024-12-31 | 36.35% | 1.93% | 1.58% | 3.20% | 3.70% |
| 2024-09-30 | 37.82% | 1.96% | 0.90% | 1.91% | 3.84% |
| 2024-06-30 | 35.06% | 1.97% | 0.50% | 1.22% | 3.79% |
| 2024-03-31 | 36.12% | 1.90% | 0.61% | 1.27% | 3.62% |
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Frequently asked about WESTERN BANK
What are Western Bank's total assets?
As of the Q4 2025 filing, Western Bank reported total assets of $321.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western Bank headquartered?
Western Bank is headquartered in LORDSBURG, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Western Bank founded?
Western Bank was established in 1907, per the FDIC institution directory.
Is Western Bank FDIC-insured?
Yes. Western Bank is an FDIC-insured commercial bank (FDIC Certificate #2249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Bank?
Western Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Western Bank's CET1 capital ratio?
Western Bank reported a Common Equity Tier 1 (CET1) capital ratio of 32.46% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Western Bank operate?
Western Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Western Bank's Texas Ratio?
Western Bank's Texas Ratio is 2.03% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.