Western Bank, Artesia, New Mexico: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.77% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.77% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.80% +9.30 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $36.3M | 36,332 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $229.9M | 229,942 | RCOAA223 |
| Recomputed ratio | 15.80% | numerator / denominator | |
| Filed ratio | 15.80% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.30 pp | $21.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.80% +7.80 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $36.3M | 36,332 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $229.9M | 229,942 | RCOAA223 |
| Recomputed ratio | 15.80% | numerator / denominator | |
| Filed ratio | 15.80% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.80 pp | $17.9M | capital that could be lost first |
Total risk-based capital ratio 16.77% +6.77 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $38.6M | 38,569 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $229.9M | 229,942 | RCOAA223 |
| Recomputed ratio | 16.77% | numerator / denominator | |
| Filed ratio | 16.77% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.77 pp | $15.6M | capital that could be lost first |
Tier 1 leverage ratio 11.14% +6.14 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $36.3M | 36,332 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $326.1M | 326,149 | RCOAA224 |
| Recomputed ratio | 11.14% | numerator / denominator | |
| Filed ratio | 11.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.14 pp | $20.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 5,750 | 5,750 | 5,750 | 5,750 | 5,750 | 5,750 | RCOAP742 |
| Retained earnings | 30,582 | 29,651 | 28,338 | 29,475 | 28,264 | 26,887 | RCOAKW00 |
| Accumulated other comprehensive income | (3,179) | (3,519) | (3,276) | (3,836) | (4,754) | (4,891) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,153 | 31,882 | 30,812 | 31,389 | 29,260 | 27,746 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,179 | 3,519 | 3,276 | 3,836 | 4,754 | 4,891 | P859 - P840 |
| Common equity Tier 1 capital | 36,332 | 35,401 | 34,088 | 35,225 | 34,014 | 32,637 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 36,332 | 35,401 | 34,088 | 35,225 | 34,014 | 32,637 | RCOA8274 |
| Tier 2 capital | 2,237 | 2,182 | 2,181 | 2,109 | 2,041 | 2,049 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,237 | 2,182 | 2,181 | 2,109 | 2,041 | 2,049 | RCOA5310 |
| Total capital | 38,569 | 37,583 | 36,269 | 37,334 | 36,055 | 34,686 | RCOA3792 |
| Total risk-weighted assets | 229,942 | 227,694 | 229,878 | 225,958 | 211,218 | 206,758 | RCOAA223 |
| Average total assets for the leverage ratio | 326,149 | 326,848 | 311,730 | 317,106 | 332,695 | 332,695 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $48.4M | $8.6M | 17.80% | 3.74% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $65.3M | $14.7M | 22.51% | 6.39% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $59.7M | $11.9M | 20.00% | 5.19% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.0M | $1.0M | 50.00% | 0.44% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $171.0M | $171.0M | 100.00% | 74.37% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.4M | $8.7M | 92.84% | 3.80% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $13.9M | $13.9M | 100.00% | 6.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $229.9M | ties to item 31 ($229.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $229.9M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $229.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.80% | 15.80% | 16.77% | 11.14% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.55% | 15.55% | 16.51% | 10.83% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.83% | 14.83% | 15.78% | 10.94% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.59% | 15.59% | 16.52% | 11.11% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.10% | 16.10% | 17.07% | 10.22% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.79% | 15.79% | 16.78% | 9.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.77% | 14.77% | 15.71% | 8.39% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.51% | 15.51% | 16.45% | 9.24% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.90% | 14.90% | 15.82% | 8.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.40% | 14.40% | 15.30% | 8.59% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.66% | 13.66% | 14.54% | 8.48% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.98% | 14.98% | 16.01% | 9.00% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Western Bank, Artesia, New Mexico (this bank) | Risk-based | 15.80% | 15.80% | 16.77% | 11.14% | |
| New Albin Savings Bank | $350.6M | Risk-based | 39.92% | 39.92% | 40.67% | 15.53% |
| Cowboy Bank | $350.3M | CBLR | NA | NA | NA | 12.72% |
| CLB the Community Bank | $350.9M | CBLR | NA | NA | NA | 11.36% |
| Today's Bank | $351.0M | Risk-based | 13.81% | 13.81% | 15.06% | 9.54% |
| Sherburne Bank | $351.1M | Risk-based | 10.24% | 10.24% | 11.49% | 9.46% |
| Kirkwood Bank and Trust Company | $351.3M | CBLR | NA | NA | NA | 9.91% |
| Firststate Bank | $349.4M | CBLR | NA | NA | NA | 11.14% |
| 1st Trust Bank, Inc. | $351.7M | CBLR | NA | NA | NA | 9.65% |
| The Bank of Herrin | $349.2M | Risk-based | 12.36% | 12.36% | 13.31% | 8.81% |
| Frontier Bank | $349.2M | Risk-based | 11.28% | 11.28% | 12.32% | 8.76% |
| Peer 25th percentile | 11.28% | 11.28% | 12.32% | 9.48% | ||
| Peer median | 12.36% | 12.36% | 13.31% | 9.78% | ||
| Peer 75th percentile | 13.81% | 13.81% | 15.06% | 11.30% | ||
| This bank's percentile | 80 | 80 | 80 | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/709554/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.