Western Commerce Bank
Carlsbad, New Mexico · FDIC Cert #18389
Western Commerce Bank is an FDIC-insured bank (Certificate #18389) with $745M in total assets and $672M in total deposits as of the Q2 2024 Call Report. Headquartered in Carlsbad, New Mexico, the bank maintains a Tier 1 capital ratio of 18.73% (Well-Capitalized) and a nonperforming loan ratio of 1.72%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Western Commerce Bank (FDIC cert 18389) is a community bank — $745M in total assets, $672M in deposits, serving the Carlsbad, New Mexico area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.73% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 3.44% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Western Commerce Bank carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Western Commerce Bank
- Total Assets
- $745M
- Total Deposits
- $672M
- Tier 1 Capital Ratio
- 18.73%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.72%
- Liquidity Ratio
- 38.29%
- Return on Assets
- 3.44%
- Headquarters
- Carlsbad, New Mexico
- FDIC Certificate
- #18389
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Western Commerce Bank holds a Tier 1 capital ratio of 18.73%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Western Commerce Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Western Commerce Bank shows strong financial health indicators. With $745M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Western Commerce Bank Compares
Western Commerce Bank’s Health Score of 90 is 16 points above the New Mexico state average of 74 across 20 FDIC-insured banks. Its 18.73% Tier 1 capital ratio is 4.7 points above the US banking industry average near 14%. The 1.72% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 3.44% is in line with or above the national ROA benchmark of ~1.1%. Among 1212 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Western Commerce Bank is 20 points above the portfolio average of 70.
Frequently Asked Questions
Western Commerce Bank has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.73%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Western Commerce Bank's Tier 1 capital ratio of 18.73% and nonperforming loan ratio of 1.72% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Western Commerce Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18389). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Western Commerce Bank holds $745M in total assets and $672M in total deposits. It is headquartered in Carlsbad, New Mexico (FDIC Certificate #18389).
Western Commerce Bank has a Tier 1 capital ratio of 18.73%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.72%, and the return on assets is 3.44%.
Yes. Western Commerce Bank is FDIC-insured (Certificate #18389). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Western Commerce Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.