Western Bank, Artesia, New Mexico: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.51 percentage points higher than in Q1 2026, at 104.66%. Western Bank, Artesia, New Mexico ranks 19th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 55.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Western Bank, Artesia, New Mexico sits 25.70 points lower, at 55.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.0M |
| Net loans and leases | $171.0M |
| Loans held for sale | $0 |
| Loans to total assets | 49.37% |
| Loan-to-deposit ratio | 55.24% |
| Net loans to equity capital | 5.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.47% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 67.72% |
| Consumer | 4.60% |
| Credit cards | 0.00% |
| Farm | 2.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.66% |
| Construction concentration (Tier 1 capital + allowance) | 22.51% |
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 | 6.98% |
| Interest income on loans | $2.9M |
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 | $140.5M | $285.6M | 14.77% | 76.27% | 2.63% |
| Q4 2023 | $145.6M | $309.3M | 16.72% | 73.98% | 2.74% |
| Q1 2024 | $139.6M | $331.3M | 16.12% | 74.27% | 3.30% |
| Q2 2024 | $149.0M | $313.8M | 15.03% | 74.28% | 3.31% |
| Q3 2024 | $146.7M | $340.4M | 15.30% | 73.11% | 3.26% |
| Q4 2024 | $147.7M | $341.3M | 15.28% | 72.18% | 3.88% |
| Q1 2025 | $149.5M | $306.8M | 15.54% | 70.58% | 4.37% |
| Q2 2025 | $160.1M | $289.6M | 14.13% | 71.14% | 4.33% |
| Q3 2025 | $175.3M | $265.7M | 14.33% | 70.12% | 6.11% |
| Q4 2025 | $178.0M | $271.2M | 14.46% | 72.27% | 4.19% |
| Q1 2026 | $172.6M | $283.0M | 13.11% | 69.39% | 4.54% |
| Q2 2026 | $173.0M | $313.2M | 18.47% | 67.72% | 4.60% |
Western Bank, Artesia, New Mexico loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Bank, Artesia, New Mexico, 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, Artesia, New Mexico profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16720) · FFIEC NIC profile (RSSD 709554)