Western Commerce Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Western Commerce Bank is one of the more profitable banks of its size. Its balance sheet stood at $864 million at June 30, 2026, up 7.4% from a year earlier; it is based in Carlsbad, New Mexico. It earns about $3.13 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($166 million) is worsening: 5.52% of it is past due or on nonaccrual, up from 2.96% a year earlier. Its $83 million commercial and industrial book is improving, with 8.83% past due or on nonaccrual, down from 10.30% a year earlier. Where it has less room is capital: it funds 8.82% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Western Commerce Bank reported a CET1 capital ratio of 21.03%, a return on assets of 3.13%, a nonperforming-loan ratio of 1.93% and a Texas ratio of 10.33%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 127 S Canyon St, Carlsbad, NM 88220
- County
- Eddy
- Metro Area
- Carlsbad-Artesia, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 3, 1961
- Former names
- Commerce Bank and Trust (1972-1982)
- Offices
- 12 domestic
- Employees (FTE)
- 101
- Domestic deposits
- $779.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $935.1M
- Average total loans
- $489.0M
- Average interest-bearing deposits
- $535.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 3, 1961
- FDIC Cert
- 18389
- Fed RSSD
- 169756
- Website
- http://www.wcb.net →
- Parent Holding Company
- WESTERN COMMERCE BANCSHARES OF CARLSBAD, INC. (RSSD 1109227)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Western Commerce Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Western Commerce Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Western Commerce Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.03% | 3.13% | 1.93% | 10.33% | 5.26% |
| Q1 2026 | 21.35% | 2.93% | 2.12% | 9.50% | 5.10% |
| Q4 2025 | 23.20% | 3.03% | 2.05% | 8.45% | 5.34% |
| Q3 2025 | 16.68% | 3.22% | 2.52% | 9.77% | 5.27% |
| Q2 2025 | 21.37% | 3.32% | 2.58% | 10.70% | 5.32% |
| Q1 2025 | 19.99% | 2.91% | 2.66% | 12.37% | 5.15% |
| Q4 2024 | 21.79% | 3.16% | 1.31% | 1.00% | 5.34% |
| Q3 2024 | 20.51% | 3.24% | 1.38% | 1.22% | 5.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Western Commerce Bank (main office) | Carlsbad , NM | 88220 | $397.8M |
| Lovington Main Branch | Lovington , NM | 88260 | $108.3M |
| Hobbs Branch | Hobbs , NM | 88240 | $71.5M |
| Loving Branch | Loving , NM | 88256 | $65.7M |
| South Branch | Carlsbad , NM | 88220 | $29.6M |
| Tatum Branch | Tatum , NM | 88267 | $27.8M |
| North Canal Branch | Carlsbad , NM | 88220 | $22.2M |
| Clovis Branch | Clovis , NM | 88101 | $21.8M |
| Albuquerque Branch | Albuquerque , NM | 87112 | $21.5M |
| Portales Branch | Portales , NM | 88130 | $7.1M |
| Hobbs Downtown Office | Hobbs , NM | 88240 | $6.2M |
| Grimes Branch | Hobbs , NM | 88240 | $25K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2023 | Structure Change | Acquired Western Bank of Clovis Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 24, 1991 | Structure Change | Acquired Liberty National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 23, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 1990 | Structure Change | Acquired Security Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Western Commerce Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in NM, rank 16 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 125 applications, 108 loans originated, $31.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 30 loans, $17.7M approved, $590K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Western Commerce Bank
What are Western Commerce Bank's total assets?
As of the Q2 2026 filing, Western Commerce Bank reported total assets of $863.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western Commerce Bank headquartered?
Western Commerce Bank is headquartered in Carlsbad, NM, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Western Commerce Bank founded?
Western Commerce Bank was established in 1961, per the FDIC institution directory.
Is Western Commerce Bank FDIC-insured?
Yes. Western Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #18389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Commerce Bank?
Western Commerce Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Western Commerce Bank's CET1 capital ratio?
Western Commerce Bank reported a Common Equity Tier 1 (CET1) capital ratio of 21.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Western Commerce Bank operate?
Western Commerce Bank operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Commerce Bank's Texas Ratio?
Western Commerce Bank's Texas Ratio is 10.33% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Western Commerce Bank previously called?
The charter now named Western Commerce Bank has also operated as Commerce Bank and Trust (1972-1982), per FDIC structure-change records.
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