BlastPoint's Banking Scorecard
Western Commerce Bank
Community
Specialty: Commercial
NM
FDIC cert 18389
Carlsbad, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Western Commerce Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 13% in Community
- + Return on Assets 2.01% above tier
- + Efficiency Ratio 20.65% below tier
- + Tier 1 Capital Ratio 11.71% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.44% above tier
- - Loan-to-Deposit Ratio 22.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$866.6M
+11.0% YoY
+4.5% QoQ
|
-$524.9M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$472.6M
+5.1% YoY
+3.4% QoQ
|
-$502.9M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$780.3M
+11.6% YoY
+4.4% QoQ
|
-$384.4M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
3.17%
-4.7% YoY
-0.1% QoQ
|
+2.01% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.43%
-0.9% YoY
+0.7% QoQ
|
+1.77% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
41.98%
+6.6% YoY
+2.1% QoQ
|
-20.65% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
2.07%
+56.2% YoY
-18.7% QoQ
|
+1.44% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
60.57%
-5.8% YoY
-0.9% QoQ
|
-22.50% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.95%
-8.2% YoY
-7.7% QoQ
|
+12.90% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.13%
+48.0% YoY
-19.5% QoQ
|
+0.63% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
21.96%
+0.8% YoY
+31.6% QoQ
|
+11.71% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.31%
-13.5% YoY
+30.0% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#21 of 150 · Top 13% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.95%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.43%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
3.17%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.98%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.96%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.57%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.17% · Tier avg: 1.16%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.96% · Tier avg: 10.24%
94
94th pctile
Efficiency Ratio
Current: 41.98% · Tier avg: 62.63%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.95% · Tier avg: 21.05%
45
45th pctile
Total Deposits
Current: $780.3M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $866.6M · Tier avg: $1.4B
26
26th pctile
Total Loans
Current: $472.6M · Tier avg: $975.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.57% · Tier avg: 83.06%
9
9th pctile
Delinquency Rate
Current: 2.07% · Tier avg: 0.63%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.07% · Tier avg: 0.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.57% · Tier avg: 83.06%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
26
26th pctile
Total Loans
Current: $472.6M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $866.6M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $780.3M · Tier avg: $1.2B
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.95% · Tier avg: 21.05%
94
94th pctile
Efficiency Ratio
Current: 41.98% · Tier avg: 62.63%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.96% · Tier avg: 10.24%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
99
99th pctile
Return on Assets
Current: 3.17% · Tier avg: 1.16%