Headquartered in Artesia, New Mexico, Western Bank is a state-chartered bank with $350.5M in total assets and $313.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1948.
Based on its Q2 2026 filing, Western Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 8th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (50/100; 55% loans-to-deposits, 63% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (78 → 81), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 75 |
| Q4 2024 | 73 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.81% |
| Q3 2024 | 9.24% |
| Q4 2024 | 8.39% |
| Q1 2025 | 9.81% |
| Q2 2025 | 10.22% |
| Q3 2025 | 11.11% |
| Q4 2025 | 10.94% |
| Q1 2026 | 10.83% |
| Q2 2026 | 11.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.21% |
| Q3 2024 | 3.24% |
| Q4 2024 | 3.20% |
| Q1 2025 | 2.80% |
| Q2 2025 | 2.98% |
| Q3 2025 | 3.04% |
| Q4 2025 | 2.83% |
| Q1 2026 | 2.96% |
| Q2 2026 | 2.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $350.5M | 11.14% | 0.00% | 2.80% | 54.6% |
| Q1 2026 | 80 | $318.7M | 10.83% | 0.00% | 2.96% | 60.3% |
| Q4 2025 | 80 | $305.5M | 10.94% | 0.00% | 2.83% | 64.9% |
| Q3 2025 | 81 | $299.7M | 11.11% | 0.00% | 3.04% | 65.3% |
| Q2 2025 | 78 | $321.6M | 10.22% | 0.00% | 2.98% | 54.6% |
| Q1 2025 | 77 | $337.4M | 9.81% | 0.00% | 2.80% | 48.1% |
| Q4 2024 | 73 | $369.4M | 8.39% | 0.00% | 3.20% | 42.7% |
| Q3 2024 | 75 | $371.0M | 9.24% | 0.00% | 3.24% | 42.6% |
| Q2 2024 | 74 | $341.1M | 8.81% | 0.00% | 3.21% | 46.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western BankBank Lordsburg, NM | 82 out of 100, Strong | $325.9M | 12.2% | 0.64% | vs |
| Valley Bank of CommerceBank Roswell, NM | 64 out of 100, Moderate | $304.1M | 14.5% | 3.32% | vs |
| Community 1st Bank Las VegasBank Las Vegas, NM | 81 out of 100, Strong | $293.9M | 10.0% | 0.03% | vs |
| Centinel Bank of TaosBank Taos, NM | 79 out of 100, Strong | $424.8M | 9.2% | 0.00% | vs |
| First New Mexico BankBank Deming, NM | 91 out of 100, Very strong | $275.1M | 14.7% | 0.16% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
Deposit insurance
Is my money safe at Western Bank?
Yes. Western Bank is an FDIC-insured institution (FDIC certificate #16720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 62.7% of deposits ($196.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.77% (benchmark: 10%).
1 location
Branches
Western Bank lists 1 office in 1 city. Most locations:
- Artesia, NM (1)
Identity & history
Profile
- Legal name
- Western Bank
- Former names
- Peoples State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16720
- RSSD ID
- 709554
- Primary regulator
- FDIC
- Holding company
- Western Bancshares of Nm,inc
- Established
- August 2, 1948
- Headquarters
- 320 W Texas Ave, Artesia, NM 88210
- Website
- www.wbartesia.com
- Employees
- 23
Quick answers
Western Bank: common questions
Is Western Bank FDIC insured?
Yes. Western Bank is an FDIC-insured institution (FDIC certificate #16720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Western Bank's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Western Bank ever failed?
There is no failure record for FDIC certificate #16720 in the FDIC failed bank list.
How many branches does Western Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Artesia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Artesia Credit UnionCredit union Artesia, NM | 81 out of 100, Strong | $172.7M | 16.1% | 1.08% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| First National BankBank Alamogordo, NM | 42 out of 100, Below average | $452.8M | 10.3% | 5.29% | vs |