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Western Commerce Bank

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Western Commerce Bank Rates & Review May 2026

Q: How many branches does Western Commerce Bank operate?

Western Commerce Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Western Commerce Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Western Commerce Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 29, 2026

You can compare Western Commerce Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 3.49% and 3-month CD rates at 3.25%. Savings rates are at 0.40% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Western Commerce Bank rates. MonitorBankRates evaluates the financial stability of Western Commerce Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.37%. Rates were last updated on 05/29/2026.

Western Commerce Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Western Commerce Bank? Share your experience about Western Commerce Bank by leaving a review below, or read customer reviews before you decide to use Western Commerce Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.37%

Excellent Lower than avg

Western Commerce Bank

127 S Canyon St
Carlsbad, NM 88220

http://www.wcb.net

Current Rate Availability

We do not have Western Commerce Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Western Commerce Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Western Commerce Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Western Commerce Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Western Commerce Bank

Bank Holding Company WESTERN COM BANCSHARES CARLSBAD

Address 127 S Canyon St, Carlsbad, NM 88220 · Eddy

Website https://www.wcb.net

FDIC Certificate # 18389

Established 06/03/1961

FDIC Insurance Date 06/03/1961

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.1031%

Return on Equity (ROE) 38.9700%

Non-Performing Loans (NPL) 0.18%

Total Assets $866,586,000

Total Deposits $780,251,000

Equity Capital $85,373,000

Net Income $26,086,000

Headquarters Carlsbad

Total Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Western Commerce Bank

How many branches does Western Commerce Bank operate?

Western Commerce Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Western Commerce Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Western Commerce Bank provides members with tools to manage their accounts and build a solid financial history.

Does Western Commerce Bank offer online and mobile banking?

Most modern institutions like Western Commerce Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wcb.net.