Western Commerce Bank

BankCarlsbad, New Mexico
http://www.wcb.net

Total Assets

$866.6M

Total Deposits

$780.3M

Branches

12

Established

1961

TFS Health Grade

$
C+

77.0 / 100

Average financial health

How we grade

Western Commerce Bank is a bank headquartered in Carlsbad, New Mexico, established in 1961. With $866.6M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C+ (77.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.55%(8%)
Total Capital Ratio
23.21%(10%)
Non-Performing Loan Ratio
2.05%

Profitability

Return on Assets (ROA)
3.17%(1%)
Return on Equity (ROE)
33.40%(10%)
Net Interest Margin
5.43%
Efficiency Ratio
41.98%(60%)

Lending & Liquidity

Total Loans
$477.7M
Loan-to-Deposit Ratio
60.57%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+10.98%
Deposit Growth (YoY)
+11.62%
Net Income
$26.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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