Western Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western Bank of Lordsburg, NM against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.00% | 1.25% | +0.75% | 85th top |
| ROAE | 17.83% | 12.22% | +5.61% | 79th top |
| Net Interest Margin | 3.93% | 3.95% | -0.02% | 49th below |
| Efficiency Ratio | 52.25% | 63.71% | -11.46% | 76th top |
| PPNR / Avg Assets | 2.00% | — | — | 72nd above |
| Yield on Earning Assets | 4.39% | 5.67% | -1.28% | 6th bottom |
| Cost of Funds | 0.50% | 1.87% | -1.37% | 98th top |
| Net Interest Spread | 3.43% | — | — | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.88% | -0.24% | 40th below |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans | -0.09% | 0.15% | -0.24% | 97th top |
| ACL / Total Loans | 1.94% | — | — | 93rd top |
| ACL / NPLs (Coverage) | 303.90% | — | — | 59th above |
| Texas Ratio | 1.23% | 5.96% | -4.73% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 32.97% | 17.18% | +15.79% | 94th top |
| Tier 1 Ratio | 32.97% | 17.21% | +15.76% | 94th top |
| Total Capital Ratio | 34.21% | — | — | 94th top |
| Leverage Ratio | 12.21% | 11.75% | +0.46% | 67th above |
| Equity / Assets | 11.22% | 10.98% | +0.24% | 62nd above |
| TCE / Tangible Assets | 11.22% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.71% | 80.44% | -53.73% | 99th top |
| Core Deposit Ratio | 94.19% | 86.95% | +7.24% | 81st top |
| Wholesale Funding Ratio | 0.17% | — | — | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.55% | — | — | 51st above |
| Loan Growth (Y/Y) | 3.60% | — | — | 39th below |
| Deposit Growth (Y/Y) | 4.09% | — | — | 50th above |
See Western Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Western Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Western Bank peer analysis.