Western Commerce Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.58 percentage points in Q2 2026 to 9.54%, the biggest move on this page. Within New Mexico, Western Commerce Bank is 8th of 20 on CET1 ratio, 21.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Western Commerce Bank sits 5.94 points higher, at 21.03% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.03% |
| Tier 1 risk-based capital ratio | 21.03% |
| Total risk-based capital ratio | 22.28% |
| Tier 1 leverage ratio | 8.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $82.5M |
| Tier 1 capital | $82.5M |
| Total risk-based capital | $87.4M |
| Total equity capital | $82.4M |
| Risk-weighted assets | $392.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 8.81% |
| Internal capital growth rate | 9.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $672K |
| Common stock surplus | $18.6M |
| Retained earnings | $63.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$44K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.96% | 17.96% | 19.22% | 8.32% | $358.2M |
| Q4 2023 | 19.50% | 19.50% | 20.76% | 9.03% | $360.5M |
| Q1 2024 | 18.40% | 18.40% | 19.65% | 8.61% | $370.1M |
| Q2 2024 | 18.73% | 18.73% | 19.99% | 8.97% | $370.1M |
| Q3 2024 | 20.51% | 20.51% | 21.76% | 9.62% | $356.7M |
| Q4 2024 | 21.79% | 21.79% | 23.04% | 9.94% | $364.9M |
| Q1 2025 | 19.99% | 19.99% | 21.24% | 8.96% | $363.3M |
| Q2 2025 | 21.37% | 21.37% | 22.63% | 9.10% | $348.5M |
| Q3 2025 | 16.68% | 16.68% | 17.78% | 9.52% | $471.2M |
| Q4 2025 | 23.20% | 23.20% | 24.46% | 9.55% | $367.9M |
| Q1 2026 | 21.35% | 21.35% | 22.60% | 8.74% | $377.0M |
| Q2 2026 | 21.03% | 21.03% | 22.28% | 8.82% | $392.2M |
Western Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Commerce Bank, freeSource: Call Report Schedule RC-R, 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18389) · FFIEC NIC profile (RSSD 169756)