Western Commerce Bank: how it compares with its peers
Against 13 NM banks with half to twice its assets, Western Commerce Bank's strongest measure in Q2 2026 is return on assets (3.21% vs. a 1.58% peer median). Its weakest relative measure is assets per employee ($8.5M vs. $7.6M).
| Measure | Western Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.21% | 1.58% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.38% | 4.23% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.06% | 55.88% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.6M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.85% | 67.99% | Context |
What it means for lending operations
Its efficiency ratio of 41.06% is better than the 55.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens Bank Farmington, NM · $804M
- Lea County State Bank Hobbs, NM · $738M
- Four Corners Community Bank Farmington, NM · $662M
- CNB Bank Carlsbad, NM · $1.07B
- Pioneer Bank Roswell, NM · $1.09B
- Citizens Bank of Las Cruces Las Cruces, NM · $1.17B
Questions about Western Commerce Bank
How big is Western Commerce Bank?
Western Commerce Bank, established in 1961, is headquartered in Carlsbad, NM. It reported $864M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Western Commerce Bank's return on assets?
3.21% annualized in Q2 2026, against a 1.58% median for 13 NM banks with half to twice its assets, ahead of 100% of them.
What is Western Commerce Bank's efficiency ratio?
41.06% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Western Commerce Bank growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.