Western Heritage Bank

Overview / Commentary

www.westernheritagebank.com

575-541-0058

230 South Alameda Blvd.
Las Cruces, NM 88005

Western Heritage Bank is headquartered in Las Cruces and is the 18^th largest bank in the state of New Mexico. It is also the 2,483^rd largest bank in the nation. It was established in 2000 and as of March of 2021, it had grown to 60 employees at 6 locations. Western Heritage Bank's money market rates are 36% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2021

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Health Grade Components

Overall
FDIC Certificate #	35492
Year Established	2000
Employees	60
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	8.84%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$296.1MM$240.9MM
Loans	Q1 2021vs Q1 2020	$215.0MM$185.2MM
Deposits	Q1 2021vs Q1 2020	$254.6MM$200.9MM
Equity Capital	Q1 2021vs Q1 2020	$31.1MM$29.3MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$2.8MM$1.3MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$2.1MM$0
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Western Heritage Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$50	-	Savings Account
0.05%	$100	-	Health Savings Account (HSA)

Western Heritage Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$20m^*	-	Platinum Money Market
OTHER TIERS: 0.20% → $1m - $5m \| 0.30% → $5m - $10m \| 0.40% → $10m - $15m \| 0.50% → $15m - $20m
0.05%	$5k	-	Freedom Money Market

Western Heritage Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Liberty Checking Account (Now)

Western Heritage Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$100k	-	1 Year Jumbo CD
0.40%	$100k	-	2 Year Jumbo CD
0.40%	$100k	-	3 Year Jumbo CD
0.40%	$100k	-	5 Year Jumbo CD
0.25%	$100k	-	6 Month Jumbo CD
0.20%	$1k	-	2 Year CD
0.20%	$1k	-	3 Year CD
0.20%	$1k	-	5 Year CD
0.20%	$100k	-	3 Month Jumbo CD
0.15%	$1k	-	1 Year CD
0.10%	$1k	-	6 Month CD
0.05%	$1k	-	3 Month CD

Western Heritage Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$100k	-	2 Year Jumbo IRA
0.65%	$100k	-	3 Year Jumbo IRA
0.60%	$100k	-	18 Month Jumbo IRA
0.45%	$1k	-	2 Year IRA
0.45%	$1k	-	3 Year IRA
0.45%	$100k	-	1 Year Jumbo IRA
0.40%	$1k	-	18 Month IRA
0.35%	$1k	-	1 Year IRA

Locations

Western Heritage Bank Locations
Maple Street Branch	108 West Maple Street	Deming, NM 88030
Western Heritage Bank	230 South Alameda	Las Cruces, NM 88005
The National Bank Of El Paso	4849 North Mesa	El Paso, TX 79912
Mesa Branch	7015 North Mesa Street	El Paso, TX 79912
Trawood Branch	2290 Trawood Drive	El Paso, TX 79935
Gateway Branch	6068 Gateway East	El Paso, TX 79905

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