# WESTERN COMMERCE BANK
CARLSBAD, NM · FDIC certificate 18389 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $863.5M | |
| Deposits | $779.5M | |
| Loans and leases | $503.0M | |
| Total equity | $82.4M | |
| Loans / deposits | 63.85% (p17 of band) | 82.04% |
| Liquid assets / assets | 39.92% (p82 of band) | |
| Uninsured deposits / deposits | 66.06% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.05% (p24 of band) | |
| FHLB advances / assets | 0.05% | |
| Tier 1 leverage | 8.82% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -14.60% (p32 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 3.21% (p98 of band) | 1.28% |
| Net interest margin | 5.38% (p97 of band) | 3.91% |
| Efficiency ratio | 41.06% (p6 of band) | |
| Noncurrent loans | 2.30% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 45.90% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 32.31% (p39 of band) | |
| Auto loans | $531,000 (0.11% of loans; DQ 11.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-09 | 2 |  | reserve under noncurrent |
| 2016-12 | 1 |  | assets shrinking |
| 2017-03 | 2 | assets shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 1 | uninsured deposits >50% |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | leverage <7%, capital falling |  |
| 2020-09 | 1 |  | leverage <7%, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | capital falling, charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling, charge-offs p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2024-09 | 3 | charge-offs p90 | noncurrent p90, deposits shrinking |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 3 | noncurrent p90 |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | noncurrent p90 |
| 2026-03 | 3 | noncurrent p90 |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-11-16 [Breaking: Western Commerce Bank robbed - El Paso Times](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVkRvc2RFaWw1cWE2RDFBaFV2Ny1pY0QtWUNFeUJOWjBZcWx6dXcwUVNzbE1JUjdQSUo0YmJYMkJ2LXRRVkgzeEpvbUgxN1BwRnFpYU4wT1dhbGYxX2VIZmhxUTRVblRtQVNZYzV2d1NaMnRnTUJ5dUtYLVI1ckFHa0JvNm1HRE9CWEptUFNjMkYyYmZkb1ZJd3c3RnZYTXhJOVFhZTVPMEFSaGtQN2w3cGhnX2VETmJ0VkhoaVhn?oc=5) · El Paso Times
- 2022-10-13 [Western Commerce Bank to acquire Clovis-based bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeDZlRGVITjFHWFZpczk3RTlRNFZCdUtpZXBfaDZmaVlnLUZJZFJJUmlCV0lQa19WOW5QcHd0dnlrM195amp2RnpvYnlEZTk3QXNZeGVLTWh3RGh1OS0tV19JZnUzZVNSMlBGbHE2enNUZ2F2MlhUZGRfVmViWFFDTzcyb2JJUjFYczlPcDB3aHV1c09oa2kwajVZaTJLOGE5a2hDNEpsZ0E?oc=5) · The Business Journals
- 2024-12-20 [Carlsbad man accused of robbery at Western Commerce Bank - KRQE](https://news.google.com/rss/articles/CBMikwFBVV95cUxQLUFoRzVYcHNwdUhocWpsLVFTYTdhbElmVnlybjdYT3BTN0hveGpJNzRVaTREZ1BaRGNKOGxWRXlOS19DazgyQ1hPaUM2TktwcmhXRjFybElKQk9BQlgwUnJnVy1RNXFELTJnajdtVW1fSjFNQ0dzNlhDOTN6QnFuTUQ1aUdSMUgwdWQtUXJsUzBKRXfSAZgBQVVfeXFMTmV6b01XcmhUdllHV2MyWks2T180cjNCZjUtODVmWUNQRzlRUnpOUXZKRnRVSkZOaEQ0eGVySlpVM19COThmczljMnE4NW1FUFV3cGNlOHRQc050clFWTVlOMklraVBsN2dDZHFMTzl5MWZuaHhHX3N1dENqd0ZWWnY2WG1jaklFTzh2TW5XSHJFRnI2bmxqRkg?oc=5) · KRQE
- 2010-08-20 [$20,000 Reward Offered for Information on Serial Bank Robber Dubbed the “Bayou Bandit” - fbi.gov](https://news.google.com/rss/articles/CBMic0FVX3lxTE5KbGFnZ1YxZ2p2Z3ByTkVqWmMtRmlKQ0Iyd2IzYnBsMFRUM1cyM0xSZng2SjV2NGFTUXVuUlUxQUpXOF9FWkk0SmYwdkJ1VEM5VUc4RUxBTFBvOHJDRXJzenlFRnhyUlNsSmZIV3M2ZjhlSGc?oc=5) · fbi.gov
- 2018-12-07 [FBI increases reward in Carlsbad bank robbery - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQckpHeXZ2WHppZGY1SFRycWx0UUVvODVnbTd3UWVtRVBUZGlWVzc2ZXcxeVNyR2JQSkRUUHlWOXlpaFJVQnphU1FnUVRiRTFCUk53XzE2djNERTU3R1RFazRnQXQxcGcxakJYU1cxSGN5LWRXNV9EV2ExWHZsRHVBbDU5YmE0alhrS1BEZ0M1NmRJdlpkcmZaNGdxaFFvbWR4U2g5SU1IY3phYUF6R3c?oc=5) · Las Cruces Sun-News
- 2018-12-12 [Carlsbad's Top Headlines of November - The Des Moines Register](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOeUc2aFBzLXFnNE5QXzJINFRkRGlmYk1yc3hvLS1lUDlISUhFTjF0YW9Ed2xEVndFTEhYbTA1S1FPRVFUWS05V09fQjBBREwzRFVXNXQ4MVZKZkZWTWdjd3BZeDlZQWYxUWNlZzdoQWpyQzJTclJFd2s0VlVoeEtPQ3hTcTdsLW5GeHlVLXplUEw1N1hINTVWLUozaUUtVENsYXBfbXZVZlczMFB0eV95THdUdFBuaWVqdThfbjRWMzVTZEZXVEdoSEM2RFVHTUpzamhDVUFvSmh1YzJtWktVUmlDSThBdVdUR0NJeg?oc=5) · The Des Moines Register
- 2019-01-16 [Police arrest man in connection with Carlsbad bank robberies - USA Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxPczQtZEpQSnItWG1ZTmstUFZjSHpuNnhFanVzMmMtM3dHR1FGeUtfeEpyZjA4bGFRb0w3N3ljX1dBNlp2SnN3a3FXbm4wdkUzTi15UUpSVHN3ZXgxaHo5cVlmVm5qSURlVGlfRkNJczN2d29NdXFVczRscUVQRklxWFdmUm9UamJ2LTNDVFp1V1FLVHUtMlpXVEs1QW5zcy1NX3Y4dENLRQ?oc=5) · USA Today
- 2026-08-11 [Linda Freeman Obituary (1947 - 2026) - Sun Lakes Arizona, AZ - Carlsbad Current-Argus - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUnlfdHc5c1VXcTJpSmF1TmJHRThDV2x2Q3RqOWp3T2t3TEFpYmYwclNYeUNVWkl6dkhQYi1aWkYzRVJNR3B5aks0bFp5VzRyeGZYR3NPdVFkb04wM1Ewal9LZm15b0dfbjN3Q0lXeEVieXRuVTJsS1Btdmk1ZTFISS1rYjZtdDhfQU9uUUlpRHFqc3c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18389 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "18389", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide