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127 South Canyon Street
Carlsbad, NM 88220

Western Commerce Bank is headquartered in Carlsbad and is the 10st largest bank in the state of New Mexico. It is also the 1,608th largest bank in the nation. It was established in 1961 and as of December of 2013, it had grown to 93 employees at 12 locations. Western Commerce Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Western Commerce Bank had $4.66 million in non-current loans and owned real-estate with $36.76 million in equity and loan loss allowances on hand to cover it. This gives Western Commerce Bank a Texas Ratio of 12.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Western Commerce Bank decreased dramatically from 21.91% as of December 31, 2012 to 12.68% as of December 31, 2013, resulting in a positive change of 42.11%.This indicates that the balance sheet and financial strength for Western Commerce Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Western Commerce Bank has increased its total deposits by $19.11 million, resulting in 5.37% 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 Commerce Bank has shown is excellent.



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 Commerce Bank has $414.18 million in assets with $36.76 million in equity, resulting in a capitalization level of 8.88%, which is average.

Institution Statistics

FDIC Certificate #18389
Year Established1961
Primary RegulatorFDIC
Assets and Liabilities
Assets$414.18 million
Loans$169.84 million
Deposits$374.79 million
Equity Capital$35.07 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$30,000
Real Estate Owned$4.63 million
Historic Data - December 2012
Assets$395.10 million
Equity Capital$33.84 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$30,000
Real Estate Owned$6.13 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets1.78%
Return on Equity21.47%
Interest Income$15.11 million

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Western Commerce Bank has 12 locations. Click to view all Western Commerce Bank locations.