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Overview / Commentary
901 Pile Street
Clovis, NM 88101

Western Bank of Clovis is headquartered in Clovis and is the 43rd largest bank in the state of New Mexico. It is also the 5,889th largest bank in the nation. It was established in 1975 and as of June of 2014, it had grown to 13 employees at 2 locations. Western Bank of Clovis has a B+ health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Western Bank of Clovis has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Western Bank of Clovis had $311,000 in non-current loans and owned real-estate with $7.49 million in equity and loan loss allowances on hand to cover it. This gives Western Bank of Clovis a Texas Ratio of 4.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Western Bank of Clovis has decreased its total deposits by $-247,000, resulting in -0.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Western Bank of Clovis has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Western Bank of Clovis has $50.6 million in assets with $7.49 million in equity, resulting in a capitalization level of 14.80%, which is excellent.

Institution Statistics

FDIC Certificate #22059
Year Established1975
Primary RegulatorFDIC
Assets and Liabilities
Assets$50.60 million
Loans$31.55 million
Deposits$37.08 million
Equity Capital$6.92 million
Loan Loss Allowance$571,000
Unbacked Noncurrent Loans$298,000
Real Estate Owned$13,000
Historic Data - June 2013
Assets$51.78 million
Equity Capital$6.95 million
Loan Loss Allowance$584,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.5%
Return on Equity3.73%
Interest Income$1.27 million

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Western Bank of Clovis Locations
Portales Branch220 North Chicago AvenuePortales, NM 88130
Western Bank Of Clovis901 Pile StreetClovis, NM 88101