TellerScore

Western Bank is a state-chartered bank (fed member) headquartered in Lordsburg, New Mexico, in business for about 119 years. At the end of Q2 2026 it reported $325.9M in total assets and $285.7M in deposits, with 5 offices across 2 states.

Western Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 6th. Earnings contributes the most (98/100, 1.94%); capital cushion contributes the least (72/100, 12.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.21%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.64%
Earnings98/100
Return on assets (annualized): 1.94%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 26.2% · 37.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.28%

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 8 points (74 → 82), mostly because the loan quality component improved by 30 points.

TellerScore
748188Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202485
Q4 202479
Q1 202578
Q2 202574
Q3 202578
Q4 202580
Q1 202680
Q2 202682
Tier 1 leverage ratio
5.00%9.29%13.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.40%
Q3 202413.58%
Q4 202413.56%
Q1 202513.51%
Q2 202511.96%
Q3 202511.89%
Q4 202511.74%
Q1 202611.96%
Q2 202612.21%
Noncurrent loans
0.50%1.07%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.90%
Q4 20241.58%
Q1 20251.65%
Q2 20251.54%
Q3 20251.05%
Q4 20250.75%
Q1 20260.72%
Q2 20260.64%
Return on assets
1.88%1.96%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.93%
Q3 20241.95%
Q4 20241.94%
Q1 20251.88%
Q2 20251.88%
Q3 20251.98%
Q4 20252.04%
Q1 20261.90%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$325.9M12.21%0.64%1.94%26.2%
Q1 202680$328.6M11.96%0.72%1.90%24.8%
Q4 202580$321.5M11.74%0.75%2.04%25.7%
Q3 202578$316.0M11.89%1.05%1.98%25.0%
Q2 202574$311.7M11.96%1.54%1.88%26.3%
Q1 202578$297.2M13.51%1.65%1.88%26.6%
Q4 202479$292.5M13.56%1.58%1.94%28.9%
Q3 202485$286.3M13.58%0.90%1.95%29.2%
Q2 202488$292.3M13.40%0.50%1.93%28.6%

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).

Capital ratio12.21%
67th
Total risk-based capital34.21%
97th
Problem loans0.64%
40th
Net charge-offs-0.08%
97th
Return on assets1.94%
85th
Net interest margin3.78%
41st
Efficiency ratio54.0%
74th
Loans to deposits26.2%
99th
Uninsured deposits37.2%
14th
Loan-loss reserves1.94%
93rd
Texas ratio1.3%
66th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Valley Bank of CommerceBank Roswell, NM64 out of 100, Moderate$304.1M14.5%3.32%vs
Western BankBank Artesia, NM81 out of 100, Strong$350.5M11.1%0.00%vs
Community 1st Bank Las VegasBank Las Vegas, NM81 out of 100, Strong$293.9M10.0%0.03%vs
First New Mexico BankBank Deming, NM91 out of 100, Very strong$275.1M14.7%0.16%vs
Main BankBank Albuquerque, NM82 out of 100, Strong$245.2M11.5%0.00%vs
Centinel Bank of TaosBank Taos, NM79 out of 100, Strong$424.8M9.2%0.00%vs

Deposit insurance

Is my money safe at Western Bank?

Yes. Western Bank is an FDIC-insured institution (FDIC certificate #2249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.2% of deposits ($106.4M) 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 12.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 34.21% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Western Bank lists 4 offices in 4 cities across 2 states. Most locations:

  • Bisbee, AZ (1)
  • Lordsburg, NM (1)
  • Silver City, NM (1)
  • Willcox, AZ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Western Bank
Former names
The First National Bank of Lordsburg
Type
State-chartered bank (Fed member)
FDIC certificate #
2249
RSSD ID
723653
Primary regulator
FED
Holding company
Lordsburg Financial Corp
Established
September 29, 1907
Headquarters
140 E Motel Dr, Lordsburg, NM 88045
Employees
48

Quick answers

Western Bank: common questions

Is Western Bank FDIC insured?

Yes. Western Bank is an FDIC-insured institution (FDIC certificate #2249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western Bank's TellerScore?

82 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 #2249 in the FDIC failed bank list.

How many branches does Western Bank have?

5 offices as of the latest FDIC data, in 2 states.