Western Commerce Bank
Carlsbad, NM
IDRSSD: 169756
Total Assets
$829.10M
Latest filing
Total Deposits
$747.66M
Latest filing
Net Interest Margin
5.42%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Western Commerce Bank
127 S Canyon St
Carlsbad, NM 88220
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/03/1961FDIC Certificate 12297
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Western Commerce Bank (Main) | 127 S Canyon St | Carlsbad, NM |
| LOVINGTON MAIN BRANCH | 18 W Adams Ave | Lovington, NM |
| CLOVIS BRANCH | 101 W Llano Estacado Blvd | Clovis, NM |
| TATUM BRANCH | 102 South Avenue A | Tatum, NM |
| HOBBS BRANCH | 2224 N Turner St | Hobbs, NM |
| LOVING BRANCH | 313 W Cedar St | Loving, NM |
| NORTH CANAL BRANCH | 501 N Canal St | Carlsbad, NM |
| SOUTH BRANCH | 3010 National Parks Hwy | Carlsbad, NM |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/03/1961 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88220 |
| State and County Number | 35015 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Carlsbad-Artesia, NM |
Operational Info
| Number of Employees | 98 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/01/2023 |
| Date of Deposit Insurance | 06/03/1961 |
| Primary Insurance Agency | DIF |
| Website | http://www.wcb.net |
| Data Updated | 11/14/2025 |
| CERT | 18389 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $829.10M |
| Total Deposits | $747.66M |
| Total Liabilities | $750.50M |
| Total Equity Capital | $78.60M |
| Net Income | $6.64M |
| Net Loans and Leases | $456.96M |
| Assets Per Employee ($Millions) | $8.55M |
| Bank Premises and Fixed Assets | $8.75M |
| Cash and Balances due from Depository Institutions | $92.12M |
| Deposits Held in Domestic Offices | $747.66M |
Key Performance Ratios
| Return on Assets (ROA) | 3.25% |
| Return on Equity (ROE) | 34.7% |
| Net Interest Margin | 5.42% |
| Efficiency Ratio | 40.52% |
| Tier 1 Risk-Based Capital Ratio | 16.681% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.48% |
| Earning Assets to total Assets | 96.38% |
Income and Expense
| Total Interest Income | $11.62M |
| Total Noninterest Income | $645.00k |
| Total Interest Expense | $970.00k |
| Total Noninterest Expense | $4.58M |
| Net Interest Income | $10.64M |
| Pre-tax Net Operating Income | $6.64M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.02M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.81M |
| Total Liabilities and Capital | $829.10M |
Securities
| Securities | $257.45M |
| Available-for-sale debt securities | $5.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $251.87M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western Commerce Bank?
$829.10M as of the latest filing.
How much are Western Commerce Bank's total deposits?
$747.66M in total deposits.
Where is Western Commerce Bank located?
Carlsbad, NM.
What is the Net Interest Margin?
5.42%.
How many domestic offices does it operate?
12.
When was it established?
06/03/1961.
What is the Return on Assets (ROA)?
3.25%.
How much are total loans and leases?
$456.96M (latest filing).
What is the total interest income (latest filing)?
$11.62M.