$329M
+10.6%y/y
Percentile by value9th percentileby value
FDIC
ASSETWB
Western Bank
Lordsburg, New MexicoFDIC Cert #2249
STATEEstablished 19075 branches
Holding company: LORDSBURG FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWestern Bank reported $329M in total assets. Deposits grew 12.47% over the prior year.
Return on assets was 1.90%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.96%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$289M
+12.5%y/y
Percentile by value12th percentileby value
FDIC
DEP$71.8M
+5.1%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET1.90%
+2 bpsy/y
Peer standing84th percentile
FDIC
NETINC + ROA54.41%
−104 bpsy/y
Peer standing73rd percentile
FDIC
NONIX + NIM + NONII + EEFFR11.96%
−155 bpsy/y
Peer standing70th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $266M | $236M |
| Q3 2021 | $267M | $237M |
| Q4 2021 | $273M | $243M |
| Q1 2022 | $285M | $258M |
| Q2 2022 | $288M | $261M |
| Q3 2022 | $284M | $257M |
| Q4 2022 | $283M | $254M |
| Q1 2023 | $286M | $255M |
| Q2 2023 | $283M | $251M |
| Q3 2023 | $277M | $244M |
| Q4 2023 | $287M | $252M |
| Q1 2024 | $285M | $249M |
| Q2 2024 | $292M | $255M |
| Q3 2024 | $286M | $247M |
| Q4 2024 | $293M | $254M |
| Q1 2025 | $297M | $257M |
| Q2 2025 | $312M | $275M |
| Q3 2025 | $316M | $278M |
| Q4 2025 | $322M | $282M |
| Q1 2026 | $329M | $289M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $9.81M |
| Investor CRE | $2.26M |
| Multifamily | $492K |
| Construction | $6.68M |
| 1–4 family | $10.8M |
| C&I | $7.28M |
| Agriculture | $29.6M |
| Other | $6.44M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE17.13%78th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.73%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.41%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+12.47%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+5.13%46th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.96%70th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.00%98th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC24%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%46th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.05%Median 1.95%90th 2.96%Observations 29
ROE
FDIC
NETINC + ROE17.13%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.59%Median 22.59%90th 29.01%Observations 29
NIM
FDIC
NIM + NIMY3.73%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.44%Median 4.27%90th 5.29%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.41%43rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.29%Median 53.44%90th 77.91%Observations 29
Deposits YoY
FDIC
DEP+12.47%96th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.74%Median +2.16%90th +11.06%Observations 29
Loans YoY
FDIC
LNLSNET+5.13%44th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.82%Median +5.78%90th +16.27%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%48th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.61%90th 2.47%Observations 28
Leverage
FDIC
RBC1AAJ11.96%71st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.83%90th 14.22%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.00%86th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.86%Median 1.62%90th 2.77%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC24%16th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 126%90th 255%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.90%42nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.33%Median 1.95%90th 2.83%Observations 13
ROE
FDIC
NETINC + ROE17.13%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 14.34%Median 25.44%90th 31.95%Observations 13
NIM
FDIC
NIM + NIMY3.73%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.68%Median 4.15%90th 4.90%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.41%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.97%Median 52.48%90th 63.88%Observations 13
Deposits YoY
FDIC
DEP+12.47%92nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.95%Median +2.51%90th +12.16%Observations 13
Loans YoY
FDIC
LNLSNET+5.13%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.93%Median +7.98%90th +17.44%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.72%90th 2.42%Observations 13
Leverage
FDIC
RBC1AAJ11.96%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.34%Median 9.92%90th 11.73%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.00%83rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.93%Median 1.44%90th 2.46%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC24%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 92%90th 188%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Lordsburg, NM
FDIC
OFFDOMOpen the New Mexico dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data