SBA lender profile
Western Commerce Bank
Western Commerce Bank appears in the public SBA loan data with 262 funded 7(a) loans totaling $170.7M, an average of $651K per loan, and an estimated 3,887 jobs supported. Its SBA lending concentrates in New Mexico and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
262
Total volume
$170.7M
Average loan size
$651K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
3,887
Programs
7(a)
Bank profile
via FDIC- Total assets
- $897M
- Headquarters
- Carlsbad, NM
- FDIC cert
- #18389
- Status
- Active
Where Western Commerce Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New Mexico | 231 | $119.4M |
| Texas | 20 | $38.2M |
| Arizona | 6 | $6.9M |
| Wisconsin | 2 | $4.7M |
| California | 2 | $1.2M |
| South Carolina | 1 | $356K |
What Western Commerce Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 65 | $80.9M |
| Mining and Extraction | 59 | $28.3M |
| Manufacturing | 26 | $11.7M |
| Health Care and Social Assistance | 20 | $9.8M |
| Construction | 18 | $7.8M |
| Finance and Insurance | 2 | $7.5M |
Western Commerce Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 29 | $31.1M |
| 2021 | 50 | $41.0M |
| 2022 | 52 | $28.6M |
| 2023 | 47 | $26.9M |
| 2024 | 35 | $14.2M |
| 2025 | 30 | $17.7M |
| 2026 | 19 | $11.1M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Western Commerce Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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