Western Commerce Bank: 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 Loan-to-deposit ratio: 4.29 percentage points higher than in Q1 2026, at 64.53%. Western Commerce Bank ranks 13th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 64.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Western Commerce Bank sits 16.02 points lower, at 64.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.0M |
| Net loans and leases | $497.7M |
| Loans held for sale | $0 |
| Loans to total assets | 58.25% |
| Loan-to-deposit ratio | 64.53% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.19% |
| Multifamily (5+ residential) | 0.73% |
| Commercial and industrial | 16.53% |
| Consumer | 0.83% |
| Credit cards | 0.00% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.25% |
| Construction concentration (Tier 1 capital + allowance) | 30.34% |
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 | 6.99% |
| Interest income on loans | $8.5M |
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 | $424.0M | $690.3M | 42.95% | 15.73% | 0.86% |
| Q4 2023 | $440.3M | $716.8M | 44.19% | 15.58% | 0.81% |
| Q1 2024 | $439.6M | $717.6M | 43.93% | 15.52% | 0.79% |
| Q2 2024 | $444.2M | $671.6M | 43.49% | 15.15% | 0.80% |
| Q3 2024 | $446.3M | $693.3M | 42.06% | 15.90% | 0.83% |
| Q4 2024 | $454.3M | $699.0M | 43.05% | 15.96% | 0.75% |
| Q1 2025 | $454.9M | $755.9M | 42.39% | 16.54% | 0.79% |
| Q2 2025 | $456.4M | $727.3M | 41.92% | 17.13% | 0.71% |
| Q3 2025 | $462.1M | $747.7M | 41.17% | 16.83% | 0.78% |
| Q4 2025 | $477.7M | $780.3M | 41.39% | 16.23% | 0.69% |
| Q1 2026 | $491.1M | $815.2M | 41.67% | 16.02% | 0.65% |
| Q2 2026 | $503.0M | $779.5M | 41.19% | 16.53% | 0.83% |
Western Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Commerce Bank, 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18389) · FFIEC NIC profile (RSSD 169756)