Western Bank, Artesia, New Mexico
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Data as of · sourced from FFIEC call reports. How we update
Western Bank, Artesia, New Mexico is an FDIC-insured commercial bank headquartered in Artesia, NM, established in 1948 (FDIC certificate 16720), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $350.5M, up 9.0% from Q2 2025, the 17th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 15.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16720
- Headquarters
- Artesia, NM
- Established
- 1948
- Total assets, Q2 2026
- $350.5M
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 15.80%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 112201988
- Latest call report
- Q2 2026, FFIEC 051 · Western Bank, Artesia, New Mexico Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- WESTERN BANCSHARES OF NEW MEXICO,INC.
- Asset rank in state
- 17th of 29 in New Mexico
Western Bank, Artesia, New Mexico is one of the more profitable banks of its size. It reported $350 million in assets at June 30, 2026, up 9.0% from a year earlier. It earns about $2.74 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 15% from a year earlier, to $2.2 million. The commercial and industrial book ($117 million) is worsening: 1.08% of it is past due or on nonaccrual, up from 0.37% a year earlier.
As of June 30, 2026, Western Bank, Artesia, New Mexico reported a CET1 capital ratio of 15.80%, a return on assets of 2.74%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Western Bank, Artesia, New Mexico ranks as the 17th largest of the 29 banks based in New Mexico, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 10.0% to $350.5M, loans rose 0.3% and deposits rose 10.7%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 67.7% of total loans, followed by non-owner-occupied commercial real estate loans at 18.0%. Its one office in the FDIC Summary of Deposits is in Artesia, NM. By the capital ratios in its Q2 2026 call report, Western Bank, Artesia, New Mexico meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 320 W Texas Ave, Artesia, NM 88210
- County
- Eddy
- Metro Area
- Carlsbad-Artesia, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 2, 1948
- Former names
- Western Bank (1980); Peoples State Bank (1973-1980)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $313.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $326.1M
- Average total loans
- $167.7M
- Average interest-bearing deposits
- $143.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1948
- FDIC Cert
- 16720
- Fed RSSD
- 709554
- Website
- www.wbartesia.com →
- Parent Holding Company
- WESTERN BANCSHARES OF NEW MEXICO,INC. (RSSD 1065453)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Western Bank, Artesia, New Mexico's total assets moved between a low of $299.7M (Q3 2025) and a high of $371.0M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$350.5M total assets against $321.6M; $317.3M total liabilities against $292.4M.
$171.0M net loans and leases against $158.2M; $313.2M total deposits against $289.6M.
$62.1M securities against $71.4M; $108.0M cash and balances due against $82.6M.
$4.1M total interest income against $4.2M; $468K total interest expense against $130K.
$3.6M net interest income against $4.0M.
$171K total noninterest income against $172K; $1.5M total noninterest expense against $1.5M.
$30K provision for credit losses against $75K.
$2.2M net income against $2.6M.
2.74% return on assets against 3.17%; 4.71% net interest margin against 5.15%.
15.80% CET1 capital ratio against 16.10%; 11.14% tier 1 leverage ratio against 10.22%.
Inside the full Western Bank, Artesia, New Mexico terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWestern Bank, Artesia, New Mexico rankings
Its closest position to the top of a national ranking is 108 of 3,611, for ROA; its furthest is 3,447 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.13% (Q4 2025) to 3.41% (Q3 2024) and its net interest margin ran from 4.71% (Q2 2026) to 5.39% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.80% | 2.74% | 0.00% | 0.00% | 4.71% |
| Q1 2026 | 15.55% | 2.83% | 0.00% | 0.00% | 4.86% |
| Q4 2025 | 14.83% | 2.13% | 0.00% | 0.00% | 5.00% |
| Q3 2025 | 15.59% | 3.11% | 0.00% | 0.00% | 5.39% |
| Q2 2025 | 16.10% | 3.17% | 0.00% | 0.00% | 5.15% |
| Q1 2025 | 15.79% | 2.98% | 0.00% | 0.00% | 5.00% |
| Q4 2024 | 14.77% | 3.03% | 0.00% | 0.00% | 5.11% |
| Q3 2024 | 15.51% | 3.41% | 0.00% | 0.00% | 5.31% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Western Bank | Artesia , NM | 88210 | $313.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in NM, rank 32 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $488K approved, $488K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Western Bank, Artesia, New Mexico
What are Western Bank, Artesia, New Mexico's total assets?
As of the Q2 2026 filing, Western Bank, Artesia, New Mexico reported total assets of $350.5 million in its FFIEC call report.
Where is Western Bank, Artesia, New Mexico headquartered?
It is headquartered in Artesia, NM, United States.
When was Western Bank, Artesia, New Mexico founded?
It was established in 1948, per the FDIC institution directory.
Is Western Bank, Artesia, New Mexico FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Bank, Artesia, New Mexico?
Western Bank, Artesia, New Mexico's primary federal regulator is the FDIC.
What is Western Bank, Artesia, New Mexico's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Western Bank, Artesia, New Mexico operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Bank, Artesia, New Mexico's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Western Bank, Artesia, New Mexico previously called?
The charter now named Western Bank, Artesia, New Mexico has also operated as Western Bank (1980), Peoples State Bank (1973-1980), per FDIC structure-change records.
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