Western Commerce Bank


127 South Canyon Street
Carlsbad, NM 88220
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.23% 1.40% →
1-Year CD 0.35% 1.15% →
2-Year CD 0.50% 1.26% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Western Commerce Bank is an FDIC insured institution located in Carlsbad, NM. It was founded in 1961 and has approximately $0.52 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 18389
Date Established 1961
Assets $ 522.84 million
Loans $ 251.09 million
Deposits $ 479.91 million
Capital $ 42.74 million

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

Deposit Rates - July 4, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.23% $200 - Learn More
Money Market
0.20% $1,000 - Learn More
Money Market
0.10% $2,500 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
6 Mo CD
0.75% $1,000 - Learn More
Special: 7 Mo CD
0.35% $1,000 - Learn More
12 Mo CD
0.35% $1,000 - Learn More
Special: 13 Mo CD
0.45% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
Special: 25 Mo CD
0.55% $1,000 - Learn More
36 Mo CD
0.60% $1,000 - Learn More

Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 - Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Western Commerce Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Western Commerce Bank
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Western Commerce 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 Commerce Bank Locations

Financial Details

Western Commerce Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western Commerce 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 Commerce Bank U.S. Bank Average
3.81% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Western Commerce Bank had $991,000 in non-current loans and $744,000 in owned real estate. To cover these potential losses it had $42,744,000 in equity and $2,811,000 in loans loss reserves. That gives it a Texas Ratio of 3.81%.

Return on Equity
Western Commerce Bank U.S. Bank Average
29.19% 9.41%

Western Commerce Bank has a Return on Equity of 29.19% versus the BestCashCow average of 9.41%. 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 Commerce Bank U.S. Bank Average
8.18% 12.82%

Western Commerce Bank has a Capitalization of 8.18% versus the BestCashCow average of 12.82. 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 Commerce Bank Balance Sheet Analysis

As of December 31, 2019, Western Commerce Bank had assets of $522,839,000, loans of $251,089,000, and deposits of $479,908,000. 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.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 120.01 million
Interest-bearing balances $ 113.58 million
Total securities $ 142.03 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 251.09 million
Loan loss allowance $ 2.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.74 million
Goodwill and other intangibles N.A.
All other assets $ 4.15 million
     Total Assets $ 480.10 million
Total deposits $ 479.91 million
      Interest-bearing deposits $ 278.49 million
      Deposits held in domestic offices $ 479.91 million
      % insured (estimated) 48.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.19 million
      Total Liabilities $ 480.10 million
      Shareholders’ Equity $ 42.74 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 21.92 million
Total Interest Expense $ 1.24 million
Net interest income $ 20.67 million
Provision for loan and lease losses $ 0.61 million
Total non interest income $ 2.35 million
Total non interest expense $ 10.87 million
Pre-tax Net Operating Income $ 11.56 million

Bank Loan Profile?

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

Compared to other banks, Western Commerce 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 35.74
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 8.26
Construction and Development Loans 4.91
Commercial Real Estate 31.63
Commercial and Industrial Loans 24.48
Farm Loans 0.20

Frequently Asked Questions About Western Commerce Bank

Branches and Savings

Is Western Commerce Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18389.

Why does Western Commerce 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 Commerce Bank CD rates not competitive?

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

Is Western Commerce Bank a commercial bank?


Where are Western Commerce Bank locations?

See branch locations nearby.

Is Western Commerce Bank open on Saturdays?

Is Western Commerce Bank open on Sundays?

What time does Western Commerce Bank open?

What time does Western Commerce Bank close?

Are Western Commerce Bank ATMs Open 24/7?

Do Western Commerce Bank ATMs accept cash deposits?

Can Western Commerce Bank customers use other ATMs?

Do Western Commerce Bank branches have notaries?

Will Western Commerce Bank notarize my document?

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

Will the Western Commerce Bank branch print checks?

Do Western Commerce Bank checks expire?

Does Western Commerce Bank require US citizenship to open account?

Can Western Commerce Bank close my account?

Does Western Commerce Bank Report to credit bureaus?

Does Western Commerce Bank Use Equifax?

What is Western Commerce Bank's ACH Routing Number?

What is Western Commerce Bank's SWIFT code?


Does Western Commerce Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Western Commerce Bank offer personal loans?

Compare personal loan rates here.

Does Western Commerce Bank offer student loans?

Will Western Commerce Bank cash a check?

Will Western Commerce Bank redeem a savings bond?

Does Western Commerce Bank cash savings bonds?

Will Western Commerce Bank cash money orders?

Can Western Commerce Bank issue a money order?

Does Western Commerce Bank do currency exchange?

Background on The Bank

Who owns Western Commerce Bank?

How long has Western Commerce Bank been around?

Can Western Commerce Bank transfer to other banks?

Does Western Commerce Bank have quick pay?

Does Western Commerce Bank accept rolled coins?

Will Western Commerce Bank accept loose change?

Where is Western Commerce Bank headquarters?

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