# WESTERN BANK
ALAMOGORDO, NM · FDIC certificate 22525 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $60.1M | |
| Deposits | $46.8M | |
| Loans and leases | $31.1M | |
| Total equity | $9.8M | |
| Loans / deposits | 65.34% (p32 of band) | 76.50% |
| Liquid assets / assets | 43.86% (p74 of band) | |
| Uninsured deposits / deposits | 16.48% (p53 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.08% (p69 of band) | |
| FHLB advances / assets | 5.08% | |
| Tier 1 leverage | 16.00% (p86 of band) | 11.35% |
| Unrealized securities loss / equity | -3.58% (p10 of band) | -0.33% |
| AOCI / equity | 0.07% (p18 of band) | |
| ROA (annualized) | -4.30% (p1 of band) | 0.99% |
| Net interest margin | 4.83% (p92 of band) | 3.80% |
| Efficiency ratio | 275.88% (p100 of band) | |
| Noncurrent loans | 1.70% (p79 of band) | 0.56% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 87.88% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 51.85% (p80 of band) | |
| Auto loans | $337,000 (1.08% of loans; DQ 3.26%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | assets shrinking | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |

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

- 2026-08-13 [Amarillo woman sentenced to probation for embezzling from Western Bank - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRTNIdFQ2bTJ2LU5waHVmRFVmaGh5QVdBQng0YnZaLVNJTFdzQzY2UWRpTFhfVGNaeEFBYXdBNnFqalc3MlZzQ1NIbEVabnQtNmJ2Sm03MS1MYUwybVB2ck5vU3hVT0FGTkFhb3RDTzUzUlRQRk1nVUtXVjZVc1BNcWFPRkVNbmJWekUwQlI3bTdMNWYzT2twbnVlNmxqSU5PUEHSAbYBQVVfeXFMTVI1VHRvcHBHR0Q2NUJiNk5YZzdVOVo3aDY4bUlhVXV1VGZvdDU5Q0VlLVhWZXhzSEtZSjRWVmxCb2Q2U0RsQmJWT3BFcmctai0zLTF3MTRrblFveFBXeHd4d1ZjeDVzTzVaaXQxdG9Hd0V1cGRSZFFGcGVyMFY4RkxXck5UUzdhRko0bGdfOTVFaENaV3NwTzZjWndWMmJkamVyRGdyLUJmQ0M1OUdYZWZ2MFRyaEE?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-10 [WECT INVESTIGATES: New Hanover County nearing purchase of $2 million Western Bank property - WECT](https://news.google.com/rss/articles/CBMimgFBVV95cUxORmNVOUY1TjFDMjZjYUpOSHVEcUNXY21yTndhYlpqZVpCNTZhczZKRjRhWUlEdDAtdVJvNzFoYjFrV3dOLS1wMDJlcDZfMW1XN1hsSnhwQnBKVjFIUkduS185ZDJTd0J2d1ZNXzJWRTI0eklJYlBLbExGZ3VLVHZ1RllIY0FMLWtGS01ZaTFONWxFbVJ5bXcySk5B0gGuAUFVX3lxTE1iUDZfUU9VNl9aZmtTcWl3N1gxN1JhYzhZaTMycElLTm8xdTdNX2NvZDdQMDVsOVZhY3gzU3dxTk5BNFdrYlRQUk1CaGI5am82V1BBNEpoVWhwczZrcndMOC1aUjNNWm9TOXExUnVUZ0pTSGt1Q2VoVlpneTRTa3NXNkU5cERZa05jcE5PdGVxd00wTGU5a0Raclg2Y3AtYzBDcnBBaXZwMEYzbGV2QQ?oc=5) · WECT
- 2026-05-27 [National Bank increases cost savings targets after Canadian Western Bank deal - thecanadianpressnews.ca](https://news.google.com/rss/articles/CBMiggJBVV95cUxQcXlMTGZGNUFOTE9HRW1Ma1pyMW1rQjVOUjNuMnNxazdmVHVuRXA3SGVGNmY0MkJqaVAyZEVpeUZMckNOMnp5MnYtNWY1c3gxR2hsc2hCUmJ5c05hdlpLOEZVRWNnS1FWd1JaVjFoeDcyQVMzR2k0U3cycXZKTDkyVHFiVEoydzBYQ2Jlb01zRnpmTlF1dlctYXBLTThvY09aSTRmX1p5bUZXVTJybXd5ZXUwSC1scEJMWkxfZlBFRjBRclljanBqemxRYWlQLXlwV0ZJV1BmTlFsTEF4XzdiNzRTQlktTzB0alhQZ2xCSmI5UlM3RkVPUDlUSFpEeEhNekE?oc=5) · thecanadianpressnews.ca
- 2026-04-20 [New Mexico Primary 2026: NM House of Representatives, District 16 - Source New Mexico](https://news.google.com/rss/articles/CBMinAFBVV95cUxPREpDNTk0Y3FxR2JyTWd3bEdMR0NiWUNBSVZBMlM5djVDOTYxRVhGZGt0WnJfaUNmWUE3TzVaOHpiT3hSZGo1Z2doOVhURzczWVhWams5YXJqUzNDLUhtUDNGQ1F3dTQ0Z3QxYUROTXhoU0NMa2lVRDhFeldkR2VRbkQ0WVFBa2x5d3k5ZlJOaEtnT1N4Y1FQN1B6TUI?oc=5) · Source New Mexico
- 2026-03-10 [Court documents: Amarillo teller admits to stealing money from Western Bank - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2025-09-22 [Western Bank breaks ground on new Amarillo banking center, set to open 2026 - MyHighPlains.com](https://news.google.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?oc=5) · MyHighPlains.com
- 2025-12-15 [New Hanover County finalizes $2 million purchase of Western Bank property - WECT](https://news.google.com/rss/articles/CBMipgFBVV95cUxPS1VyVGdoRTY2b1lCNE5fOGhtSUJfXzJVYzdtUFhYS1JmeFB5VVRBV05GRF9jWnJFQ1h2ZDRjOHZRN09UWjNEZTVTOXBQNy03aEpsYTdpbmlHWmVjR0hHUlZYNEh0N1pyNjBkN1ZNT3hyeFNDZ3d5X3dvSXdNZEN6ZU9RX0tWUXlPRngwbHllN0tRdldhTzJmNU5jQnBmWEZyQVI0Vlln0gG6AUFVX3lxTE44RVEtaXIxZk9xbjNxMUN2ZjB0TkFRdlkwNVBMTktvVERFYXI4M3ltTHNTR3I4THFUdVExcl85aDlCWGVYVWFJSWI4X0dFNnl3MmhSVVJCQ1A5Q2hSelhveFMtUklnS3pVMTVwQUVFTTNWTXlueDlPQ202dGVnX0kzbFlHYWEwMUhaR0R6NGtuNnk4RUVocTVfaWNsb2dfWnAzVWtFMEhhTUdSczMxWGt0TnRublBGSVUzQQ?oc=5) · WECT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22525 (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/61.json (key "22525", 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