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Western Commerce Bank

$100M-$1B Specialty: Commercial NM FDIC cert 18389

Carlsbad, NM

12 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
  • Deposits +7.2% year over year ($779.5M on the books).
  • Delinquency rate 2.32%.
  • Return on assets 3.21%.
  • Efficiency ratio 41.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM
View $100M-$1B leaderboard (NM) →

Western Commerce Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 34.9% in tier
  • + Profitability Leader: Top 37.4% in tier
  • + Efficiency Ratio 23.42% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.41% above tier average
Get updates when Western Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $863.5M
+7.4% YoY -3.7% QoQ
+$477.0M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
Top 5.2% in tier
Total Loans ? $497.7M
+10.3% YoY +2.4% QoQ
+$239.4M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
Top 11.5% in tier
Total Deposits ? $779.5M
+7.2% YoY -4.4% QoQ
+$452.8M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
Top 3.2% in tier
Return on Assets ? 3.21%
+2.0% YoY +4.9% QoQ
+1.89% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 1.5% in tier
Net Interest Margin ? 5.38%
-0.5% YoY +2.8% QoQ
+1.39% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 3.8% in tier
Efficiency Ratio ? 41.06%
-0.9% YoY -1.8% QoQ
-23.42% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
Top 4.9% in tier
Delinquency Rate ? 2.32%
-13.6% YoY +7.0% QoQ
+1.41% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
Bottom 10.0% in tier
Loan-to-Deposit Ratio ? 63.85%
+2.9% YoY +7.1% QoQ
-14.10% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 32.02%
-10.9% YoY -6.4% QoQ
+9.99% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 14.4% in tier
Nonperforming Asset Ratio ? 1.34%
-11.2% YoY +13.9% QoQ
+0.67% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
Bottom 14.3% in tier
Tier 1 Capital Ratio ? 21.03%
-1.6% YoY -1.5% QoQ
+5.12% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Top 11.8% in tier
Non-Interest Income / Assets ? 0.16%
-3.2% YoY +140.2% QoQ
-0.40% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Noninterest-Bearing 32.0%
-3.9pp YoY
-2.2pp QoQ
 +9.9pp 22.1% 34.1% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 16.7%
-0.6pp YoY
+0.5pp QoQ
 +5.2pp 11.6% 20.2% 12.5% 81%
CRE 47.7%
+0.2pp YoY
+0.2pp QoQ
 +8.2pp 39.5% 50.8% 41.4% 66%
1-4 Family 31.8%
+1.1pp YoY
-0.7pp QoQ
 -0.9pp 32.6% 20.2% 31.3% 55%
Consumer 0.8%
+0.1pp YoY
+0.2pp QoQ
 -3.3pp 4.1% 3.8% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 21.0%
-0.3pp YoY
-0.3pp QoQ
 +2.2pp 18.8% 26.0% 19.7% 81%
Leverage Ratio 8.8%
-0.3pp YoY
+0.1pp QoQ
 -3.4pp 12.2% 13.9% 12.6% 10%
Total Capital Ratio 22.3%
-0.3pp YoY
-0.3pp QoQ
 +2.3pp 19.9% 27.1% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 101
+3 (+3.1%) YoY
0 QoQ
 +42 58 75 482 87%
Assets per Employee ($) $8.5M
+4.2% YoY
-3.7% QoQ
 +$1.0M $7.5M $7.6M $8.8M 75%
Branch Count 12
0 YoY
0 QoQ
 +7 4 6 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
+0.3pp QoQ
 +0.1pp 0.3% 0.1% 0.4% 78%
Nonaccrual 1.9%
-0.7pp YoY
-0.2pp QoQ
 +1.0pp 0.9% 1.1% 1.0% 87%
Allowance Coverage 0.46x
+10.5% YoY
-7.6% QoQ
 -23.69x 24.15x 56.44x 20.23x 8%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 34.0%
+0.4pp YoY
+1.4pp QoQ
 +21.8pp 12.2% 18.9% 11.6% 99%
Cost of Funds (YTD) 0.4%
-0.1pp YoY
0.0pp QoQ
 -1.3pp 1.7% 1.0% 1.7% 1%
Net Income ($, YTD) $14.1M
+10.9% YoY
— QoQ
 +$11.5M $2.6M $5.6M $40.4M 100%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#98 of 278 • Top 34.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.02%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.38%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Profitability Leader

growth
#248 of 661 • Top 37.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

41
Return on Assets
profitability
Value: 3.21%
Peer Median: 1.32%
#41 of 2643 Top 1.5% in $100M-$1B
86
Total Deposits
size
Value: $779.50M
Peer Median: $326.73M
#86 of 2643 Top 3.2% in $100M-$1B
102
Net Interest Margin
profitability
Value: 5.38%
Peer Median: 3.99%
#102 of 2643 Top 3.8% in $100M-$1B
130
Efficiency Ratio
profitability
Value: 41.06%
Peer Median: 64.48%
#130 of 2643 Top 4.9% in $100M-$1B
138
Total Assets
size
Value: $863.54M
Peer Median: $386.57M
#138 of 2643 Top 5.2% in $100M-$1B
304
Total Loans
size
Value: $497.73M
Peer Median: $258.35M
#304 of 2643 Top 11.5% in $100M-$1B
312
Tier 1 Capital Ratio
capital
Value: 21.03%
Peer Median: 15.91%
#312 of 2643 Top 11.8% in $100M-$1B
382
Non-Interest-Bearing Deposit Share
funding
Value: 32.02%
Peer Median: 22.03%
#382 of 2643 Top 14.4% in $100M-$1B
585
Loan-to-Deposit Ratio
liquidity
Value: 63.85%
Peer Median: 77.95%
#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2370
Delinquency Rate
credit_quality
Value: 2.32%
Peer Median: 0.92%
#2370 of 2633 Bottom 10.0% in $100M-$1B
2265
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.67%
#2265 of 2643 Bottom 14.3% in $100M-$1B
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