Western Commerce Bank is a bank based in Carlsbad, New Mexico, established in 1961, with $897 million in total assets across 12 branches. By Trust Grade it ranks 19th of 29 banks we track in New Mexico. Its capital ratio of 9.0% trails most similarly sized banks (29th percentile), versus a New Mexico median of 9.8%. It was profitable over the most recent period, with a 3.06% return on assets. No consumer complaints against Western Commerce Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Western Commerce Bank compares to New Mexico peers
How we graded Western Commerce Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Strongly profitable (ROA 3.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Western Commerce Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 18 W Adams Ave, Lovington, NM 88260
- 127 S Canyon St, Carlsbad, NM 88220
- 101 W Llano Estacado Blvd, Clovis, NM 88101
- 102 South Avenue A, Tatum, NM 88267
- 2224 N Turner St, Hobbs, NM 88240
- 313 W Cedar St, Loving, NM 88256
- 501 N Canal St, Carlsbad, NM 88220
- 3010 National Parks Hwy, Carlsbad, NM 88220
- 1910 Wyoming Blvd Ne, Albuquerque, NM 87112
- 220 N Chicago Ave, Portales, NM 88130
- 209 W Taylor St, Hobbs, NM 88240
- 3920 N Grimes St, Hobbs, NM 88240
Are deposits at Western Commerce Bank insured?
Yes. Western Commerce Bank is an FDIC-insured bank (FDIC certificate #18389). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Western Commerce Bank: frequently asked questions
Is Western Commerce Bank a good bank?
Western Commerce Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Strongly profitable (ROA 3.06%).
Is Western Commerce Bank FDIC-insured?
Yes. Western Commerce Bank is a FDIC-insured bank (FDIC certificate #18389). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Western Commerce Bank?
Western Commerce Bank holds $897 million in total assets, ranking 19th of 29 banks we track in New Mexico. It operates 12 branches.
Does Western Commerce Bank have CFPB complaints?
No CFPB complaints against Western Commerce Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
