WESTERN COMMERCE BANK
CARLSBAD, NEW MEXICO · FDIC Cert #18389
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.
Frequently Asked Questions
WESTERN COMMERCE BANK has a Bank Health Score of A (90/100). 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.
WESTERN COMMERCE BANK holds $745M in total assets and $672M in total deposits. It is located in CARLSBAD, NEW MEXICO (FDIC Certificate #18389).
WESTERN COMMERCE BANK has a Tier 1 capital ratio of 18.73%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.