Western Bank, Artesia, New Mexico: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 5.73 percentage points in Q2 2026, from 60.97% to 55.24%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Western Bank, Artesia, New Mexico is 6th of 29 on return on assets, 2.74% as of Q2 2026, above the middle of the field. Western Bank, Artesia, New Mexico's return on assets of 2.74% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.49 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.80% |
| Tier 1 risk-based capital ratio | 15.80% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 11.14% |
| Equity capital to assets | 9.46% |
| Tangible equity to tangible assets | 9.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.74% |
| Return on equity | 27.44% |
| Net interest margin | 4.71% |
| Efficiency ratio | 40.06% |
| Yield on earning assets | 5.31% |
| Cost of funds | 0.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.24% |
| Core deposits to total deposits | 98.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.37% |
| Securities to assets | 17.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.98% | 14.98% | 16.01% | 9.00% | 2.94% |
| Q4 2023 | 13.66% | 13.66% | 14.54% | 8.48% | 2.46% |
| Q1 2024 | 14.40% | 14.40% | 15.30% | 8.59% | 3.17% |
| Q2 2024 | 14.90% | 14.90% | 15.82% | 8.81% | 3.27% |
| Q3 2024 | 15.51% | 15.51% | 16.45% | 9.24% | 3.41% |
| Q4 2024 | 14.77% | 14.77% | 15.71% | 8.39% | 3.03% |
| Q1 2025 | 15.79% | 15.79% | 16.78% | 9.81% | 2.98% |
| Q2 2025 | 16.10% | 16.10% | 17.07% | 10.22% | 3.17% |
| Q3 2025 | 15.59% | 15.59% | 16.52% | 11.11% | 3.11% |
| Q4 2025 | 14.83% | 14.83% | 15.78% | 10.94% | 2.13% |
| Q1 2026 | 15.55% | 15.55% | 16.51% | 10.83% | 2.83% |
| Q2 2026 | 15.80% | 15.80% | 16.77% | 11.14% | 2.74% |
Western Bank, Artesia, New Mexico vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Bank, Artesia, New Mexico, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)