Western Commerce Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western Commerce Bank of Carlsbad, NM against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.13% | 1.25% | +1.88% | 97th top |
| ROAE | 35.94% | 12.22% | +23.72% | 99th top |
| Net Interest Margin | 5.26% | 3.95% | +1.31% | 95th top |
| Efficiency Ratio | 40.20% | 63.71% | -23.51% | 95th top |
| PPNR / Avg Assets | 3.16% | — | — | 97th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 0.44% | 1.87% | -1.43% | 99th top |
| Net Interest Spread | 5.00% | — | — | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.30% | 0.88% | +1.42% | 10th bottom |
| NPA / Total Assets | 1.34% | — | — | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 45.90% | — | — | 8th bottom |
| Texas Ratio | 10.33% | 5.96% | +4.37% | 17th bottom |
| Provision / NCO | 833.33% | — | — | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.03% | 17.18% | +3.85% | 80th top |
| Tier 1 Ratio | 21.03% | 17.21% | +3.82% | 80th top |
| Total Capital Ratio | 22.28% | — | — | 80th top |
| Leverage Ratio | 8.82% | 11.75% | -2.93% | 10th bottom |
| Equity / Assets | 9.54% | 10.98% | -1.44% | 36th below |
| TCE / Tangible Assets | 9.54% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.53% | 80.44% | -15.91% | 78th top |
| Core Deposit Ratio | 98.50% | 86.95% | +11.55% | 97th top |
| Wholesale Funding Ratio | 0.05% | — | — | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.35% | — | — | 71st above |
| Loan Growth (Y/Y) | 10.22% | — | — | 74th above |
| Deposit Growth (Y/Y) | 7.18% | — | — | 71st above |
See Western Commerce Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western Commerce Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Western Commerce Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Western Commerce Bank peer analysis.