Western Bank (FDIC #2249): Bank Stress & Real-Estate Credit Exposure

Western Bank (FDIC Cert #2249): bank stress 47/100, moderate, STABLE over 7 days; parent LORDSBURG FINANCIAL CORP.

Western Bank (#2249) lends in 3 counties across 2 states; Western Bank (#2249) reaches 43 ZIP codes: New Mexico 2 counties, 20 ZIPs; Arizona 1 county, 23 ZIPs.

Western Bank (#2249) largest markets: Cochise County, AZ (46 branches, 23 ZIPs) (#2249), Grant County, NM (17 branches, 17 ZIPs) (#2249), Hidalgo County, NM (10 branches, 5 ZIPs) (#2249).

Western Bank (#2249) reports $325.9 million in total assets; Western Bank (#2249) equity $36.6 million (11.2% of Western Bank (#2249) assets); Western Bank (#2249) domestic deposits $285.7 million; Western Bank (#2249) net income $3.2 million; Western Bank (#2249) return on assets 1.94%; Western Bank (#2249) return on equity 17.47%; Western Bank (#2249) net interest income $5.8 million; Western Bank (#2249) call report June 30, 2026.

Western Bank (#2249) noncurrent real-estate loans: none reported; Western Bank (#2249) net charge-offs on real estate 0.80%; Western Bank (#2249) residential charge-offs 3.06%.

Western Bank (#2249) net interest margin 3.78% against an eight-quarter Western Bank (#2249) average of 3.80% (Western Bank (#2249) compression 0.01 points); Western Bank (#2249) non-residential real estate 306.2% of equity; Western Bank (#2249) rate-exposure score 40/100, Western Bank (#2249) fixed-rate trap 40/100; Western Bank (#2249) risk type credit driven; Western Bank (#2249) rate regime rates elevated, Western Bank (#2249) snapshot October 19, 2026.

Western Bank (#2249) stress score moved from 48 on June 22, 2026 to 47.4 on October 19, 2026; Western Bank (#2249) ranged 47.4 to 48 over 116 snapshots.

Western Bank (#2249) alerts: 3 counties; top Western Bank (#2249) alert scores: Lordsburg County, NM 18 (low); Silver City County, NM 18 (low); Willcox County, NM 18 (low).