Western Commerce Bank (FDIC #18389): Bank Stress & Real-Estate Credit Exposure
Western Commerce Bank (FDIC Cert #18389): bank stress 41/100, contained, STABLE over 7 days; parent WESTERN COM BANCSHARES CARLSBAD.
Western Commerce Bank (#18389) lends in 5 counties across 1 state; Western Commerce Bank (#18389) reaches 64 ZIP codes: New Mexico 5 counties, 64 ZIPs.
Western Commerce Bank (#18389) largest markets: Bernalillo County, NM (29 branches, 29 ZIPs) (#18389), Roosevelt County, NM (12 branches, 12 ZIPs) (#18389), Lea County, NM (55 branches, 11 ZIPs) (#18389), Eddy County, NM (36 branches, 9 ZIPs) (#18389), Curry County, NM (7 branches, 7 ZIPs) (#18389).
Western Commerce Bank (#18389) reports $863.5 million in total assets; Western Commerce Bank (#18389) equity $82.4 million (9.5% of Western Commerce Bank (#18389) assets); Western Commerce Bank (#18389) domestic deposits $779.5 million; Western Commerce Bank (#18389) net income $14.1 million; Western Commerce Bank (#18389) return on assets 3.21%; Western Commerce Bank (#18389) return on equity 34.00%; Western Commerce Bank (#18389) net interest income $22.7 million; Western Commerce Bank (#18389) call report June 30, 2026.
Western Commerce Bank (#18389) noncurrent real-estate loans: none reported; Western Commerce Bank (#18389) residential 0.01%; Western Commerce Bank (#18389) net charge-offs on real estate 0.95%; Western Commerce Bank (#18389) residential charge-offs 1.43%.
Western Commerce Bank (#18389) net interest margin 5.38% against an eight-quarter Western Commerce Bank (#18389) average of 5.38% (Western Commerce Bank (#18389) compression 0.00 points); Western Commerce Bank (#18389) real-estate loans 0.4% of equity; Western Commerce Bank (#18389) non-residential real estate 143.4% of equity; Western Commerce Bank (#18389) rate-exposure score 40/100, Western Commerce Bank (#18389) fixed-rate trap 40/100; Western Commerce Bank (#18389) risk type credit driven; Western Commerce Bank (#18389) rate regime rates elevated, Western Commerce Bank (#18389) snapshot October 19, 2026.
Western Commerce Bank (#18389) stress score moved from 42.3 on June 22, 2026 to 40.9 on October 19, 2026; Western Commerce Bank (#18389) ranged 40.9 to 42.3 over 116 snapshots.
Western Commerce Bank (#18389) alerts: 5 counties; top Western Commerce Bank (#18389) alert scores: Albuquerque County, NM 16 (low); Clovis County, NM 16 (low); Loving County, NM 16 (low); Portales County, NM 16 (low); Tatum County, NM 16 (low).