Western Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial real estate (nonfarm nonresidential) climbed 1.67 percentage points in Q2 2026, from 16.47% to 18.14%. It was the largest change from Q1 2026 among the key lines here. Western Bank has the 3rd lowest loan-to-deposit ratio of the 29 banks headquartered in New Mexico, at 26.71% as of Q2 2026. Western Bank's loan-to-deposit ratio of 26.71% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 53.84 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.3M |
| Net loans and leases | $74.8M |
| Loans held for sale | $0 |
| Loans to total assets | 23.42% |
| Loan-to-deposit ratio | 26.71% |
| Net loans to equity capital | 2.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.14% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 9.62% |
| Consumer | 4.32% |
| Credit cards | 0.00% |
| Farm | 28.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.10% |
| Construction concentration (Tier 1 capital + allowance) | 16.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.77% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $74.5M | $243.6M | 21.77% | 9.36% | 5.07% |
| Q4 2023 | $73.0M | $251.5M | 20.16% | 9.13% | 5.19% |
| Q1 2024 | $72.0M | $249.4M | 20.09% | 8.94% | 5.13% |
| Q2 2024 | $74.6M | $255.3M | 18.70% | 8.86% | 4.84% |
| Q3 2024 | $73.6M | $246.5M | 18.00% | 8.42% | 5.15% |
| Q4 2024 | $74.9M | $253.7M | 18.04% | 9.97% | 4.72% |
| Q1 2025 | $69.9M | $257.2M | 19.18% | 10.22% | 4.68% |
| Q2 2025 | $73.7M | $274.5M | 18.89% | 11.14% | 4.63% |
| Q3 2025 | $70.8M | $277.6M | 20.12% | 11.12% | 4.73% |
| Q4 2025 | $74.1M | $282.2M | 18.03% | 10.33% | 4.49% |
| Q1 2026 | $73.3M | $289.3M | 16.47% | 9.93% | 4.40% |
| Q2 2026 | $76.3M | $285.7M | 18.14% | 9.62% | 4.32% |
Western Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2249) · FFIEC NIC profile (RSSD 723653)