Is Western Commerce Bank Safe?
Western Commerce Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (66/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.73% | 100/100 |
| Nonperforming Loan Ratio | 1.72% | 66/100 |
| Liquidity Ratio | 38.29% | 100/100 |
| Return on Assets | 3.44% | 100/100 |
| Total Assets | $0.7B | |
How does Western Commerce Bank compare?
With a Bank Health Score of 90/100, Western Commerce Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within New Mexico, where 20 FDIC-insured banks are headquartered, Western Commerce Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 18.73% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.72% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Western Commerce Bank's Bank Health Score fell by 8.0 points to 90/100. Tier 1 capital strengthened by 0.77 percentage points to 18.73%. Quarter-over-quarter, the score fell by 5.0 points.
Western Commerce Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (66/100).