TellerScore

Western Commerce Bank (FDIC certificate #18389) is based in Carlsbad, New Mexico. Its Q2 2026 call report shows $863.5M in total assets and $779.5M in deposits and 12 offices.

Western Commerce Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 27th. Earnings contributes the most (100/100, 3.21%); loan quality contributes the least (23/100, 2.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.82%
Loan quality23/100
Noncurrent loans ÷ total loans: 2.30%
Earnings100/100
Return on assets (annualized): 3.21%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 63.9% · 66.1% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.19%

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 2 points (49 → 51), mostly because the loan quality component improved by 12 points.

TellerScore
495764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202462
Q4 202464
Q1 202549
Q2 202549
Q3 202552
Q4 202557
Q1 202653
Q2 202651
Tier 1 leverage ratio
5.00%7.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.97%
Q3 20249.62%
Q4 20249.94%
Q1 20258.96%
Q2 20259.10%
Q3 20259.52%
Q4 20259.55%
Q1 20268.74%
Q2 20268.82%
Noncurrent loans
1.31%1.99%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.72%
Q3 20241.49%
Q4 20241.31%
Q1 20252.66%
Q2 20252.66%
Q3 20252.52%
Q4 20252.05%
Q1 20262.15%
Q2 20262.30%
Return on assets
2.92%3.18%3.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.44%
Q3 20243.36%
Q4 20243.33%
Q1 20252.92%
Q2 20253.15%
Q3 20253.18%
Q4 20253.17%
Q1 20263.06%
Q2 20263.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$863.5M8.82%2.30%3.21%63.9%
Q1 202653$896.9M8.74%2.15%3.06%59.6%
Q4 202557$866.6M9.55%2.05%3.17%60.6%
Q3 202552$829.1M9.52%2.52%3.18%61.1%
Q2 202549$804.4M9.10%2.66%3.15%62.1%
Q1 202549$830.9M8.96%2.66%2.92%59.5%
Q4 202464$780.8M9.94%1.31%3.33%64.3%
Q3 202462$770.1M9.62%1.49%3.36%63.7%
Q2 202458$744.6M8.97%1.72%3.44%65.3%

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 ratio8.82%
10th
Total risk-based capital22.28%
90th
Problem loans2.30%
10th
Net charge-offs0.00%
56th
Return on assets3.21%
98th
Net interest margin5.38%
96th
Efficiency ratio41.1%
95th
Loans to deposits63.9%
78th
Uninsured deposits66.1%
1st
Loan-loss reserves1.06%
33rd
Texas ratio13.2%
12th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Farmington, NM80 out of 100, Strong$804.3M9.1%0.02%vs
Lea County State BankBank Hobbs, NM49 out of 100, Below average$738.3M9.2%3.61%vs
Four Corners Community BankBank Farmington, NM75 out of 100, Strong$662.3M9.6%0.35%vs
The Citizens Bank of ClovisBank Clovis, NM80 out of 100, Strong$493.1M12.2%0.04%vs
Southwest Capital BankBank Albuquerque, NM61 out of 100, Moderate$482.9M10.8%1.66%vs
First National BankBank Alamogordo, NM42 out of 100, Below average$452.8M10.3%5.29%vs

Deposit insurance

Is my money safe at Western Commerce Bank?

Yes. Western Commerce Bank is an FDIC-insured institution (FDIC certificate #18389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 66.1% of deposits ($515.0M) 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 8.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.28% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Western Commerce Bank lists 12 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Western Commerce Bank reported 125 home-loan applications under HMDA (LEI 5493001SP13TNR6TUJ97): 108 originated ($31,380,000 total), 2 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Western Commerce Bank
Former names
Commerce Bank and Trust; Loving State Bank
Type
State-chartered bank
FDIC certificate #
18389
RSSD ID
169756
Primary regulator
FDIC
Holding company
Western Com Bancshares Carlsbad
Established
June 3, 1961
Headquarters
127 S Canyon St, Carlsbad, NM 88220
Employees
101

Quick answers

Western Commerce Bank: common questions

Is Western Commerce Bank FDIC insured?

Yes. Western Commerce Bank is an FDIC-insured institution (FDIC certificate #18389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western Commerce Bank's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Western Commerce Bank ever failed?

There is no failure record for FDIC certificate #18389 in the FDIC failed bank list.

How many branches does Western Commerce Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carlsbad

InstitutionScoreAssetsCapitalProblem loansCompare
Financial Security Credit UnionCredit union Carlsbad, NM81 out of 100, Strong$63.6M16.6%0.69%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
Eddy Federal Credit UnionCredit union Carlsbad, NM80 out of 100, Strong$61.8M18.3%0.00%vs
CNB BankBank Carlsbad, NM75 out of 100, Strong$1.1B9.7%0.09%vs
Internationalites Federal Credit UnionCredit union Carlsbad, NM75 out of 100, Strong$11.7M17.2%0.20%vs
U-1st Community Federal Credit UnionCredit union Carlsbad, NM74 out of 100, Strong$9.3M14.4%0.24%vs