Western Bank

140 East Motel Drive
Lordsburg, NM 88045


General Bank Information

FDIC Insured Yes
FDIC Certificate # 2249
Date Established 1907
Assets $0.17 billion
Loans $0.07 billion
Deposits $0.15 billion
Capital $0.02 billion

Western Bank is an FDIC insured institution located in Lordsburg, NM. It was founded in 1907 and has approximately $0.17 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Western Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Western Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks, Western Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.03
Credit Card Loans 0.00
Consumer Auto Loans 2.01
Small Business Loans 22.24
Construction and Development Loans 1.75
Commercial Real Estate 24.14
Commercial and Industrial Loans 10.78
Farm Loans 15.23

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.01% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.17% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.25% $1,000 - Learn MoreShow Less
MM 10K
0.03% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.03% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Western Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $635 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Western Bank
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Western Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Western Bank Locations

Financial Details

Western Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Western Bank U.S. Bank Average
8.94% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Western Bank had $1,089,000 in non-current loans and $1,141,000 in owned real estate. To cover these potential losses it had $22,392,000 in equity and $2,547,000 in loans loss reserves. That gives it a Texas Ratio of 8.94%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Western Bank U.S. Bank Average
11.17% 8.58

Western Bank has a Return on Equity of 11.17% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Western Bank U.S. Bank Average
12.85% 12.11

Western Bank has a Capitalization of 12.85% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Western Bank Balance Sheet Analysis

As of June 30, 2017, Western Bank had assets of $174,250,000, loans of $71,960,000, and deposits of $148,416,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Western Bank

Branches and Savings

Is Western Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2249.

Why does Western Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Western Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Western Bank a commercial bank?


Where are Western Bank locations?

See branch locations nearby.

Is Western Bank open on Saturdays?

Is Western Bank open on Sundays?

What time does Western Bank open?

What time does Western Bank close?

Are Western Bank ATMs Open 24/7?

Do Western Bank ATMs accept cash deposits?

Can Western Bank customers use other ATMs?

Do Western Bank branches have notaries?

Will Western Bank notarize my document?

What address for Western Bank should I put for incoming ACH transfers?

Will the Western Bank branch print checks?

Do Western Bank checks expire?

Does Western Bank require US citizenship to open account?

Can Western Bank close my account?

Does Western Bank Report to credit bureaus?

Does Western Bank Use Equifax?

What is Western Bank's ACH Routing Number?

What is Western Bank's SWIFT code?


Does Western Bank offer mortgages?

Compare mortgage rates here.

Does Western Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Western Bank offer personal loans?

Compare personal loan rates here.

Does Western Bank offer student loans?

Will Western Bank cash a check?

Will Western Bank redeem a savings bond?

Does Western Bank cash savings bonds?

Will Western Bank cash money orders?

Can Western Bank issue a money order?

Does Western Bank do currency exchange?

Background on The Bank

Who owns Western Bank?

How long has Western Bank been around?

Can Western Bank transfer to other banks?

Does Western Bank have quick pay?

Does Western Bank accept rolled coins?

Will Western Bank accept loose change?

Where is Western Bank headquarters?

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