Side-by-side · Q2 2026 data
First American Bank vs Western Commerce Bank
Metric by metric
| Measure | First American Bank | Western Commerce Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 68 (stronger) | 38 |
| Loan quality | 82 (stronger) | 23 |
| Earnings | 100 | 100 |
| Funding & liquidity | 63 (stronger) | 46 |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 90th | 8th |
| Total assets | $1.9B | $863.5M |
| Deposits / shares | $1.6B | $779.5M |
| Capital ratio | 11.79% (stronger) | 8.82% |
| Problem loans | 0.53% (stronger) | 2.30% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.89% | 3.21% (stronger) |
| Loans ÷ deposits | 70.3% | 63.9% (stronger) |
| Uninsured deposits | 38.8% (stronger) | 66.1% |
| Offices | 19 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 1.8% |
First American Bank has the higher TellerScore (80 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 4 and Western Commerce Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Carlsbad, NM
- Hobbs, NM
- Albuquerque, NM
- Lovington, NM