SBA lender profile
Western Commerce Bank
Western Commerce Bank appears in the public SBA loan data with 589 funded 7(a) loans since FY2010, totaling $320.3M, an average of $544K per loan, and an estimated 7,150 jobs supported. Its SBA lending concentrates in New Mexico and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 1.0%. 65.5% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 88
- Scale 85
- Activity 83
- Consistency 85
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Western Commerce Bank the right lender for you?
Lenders fund what they know. Western Commerce Bank's SBA lending concentrates in New Mexico (527 loans) and Accommodation and Food Services (129 loans), at an average loan of $544K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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.
Metro areas where Western Commerce Bank funds
What Western Commerce Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 129 | $157.9M |
| Mining and Extraction | 181 | $62.4M |
| Health Care and Social Assistance | 32 | $16.5M |
| Manufacturing | 44 | $14.4M |
| Construction | 42 | $13.9M |
| Retail Trade | 47 | $13.4M |
Western Commerce Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 27 | $4.2M |
| 2011 | 31 | $6.6M |
| 2012 | 25 | $8.4M |
| 2013 | 22 | $7.1M |
| 2014 | 41 | $29.3M |
| 2015 | 35 | $12.8M |
| 2016 | 21 | $9.7M |
| 2017 | 55 | $22.7M |
| 2018 | 43 | $35.7M |
| 2019 | 27 | $13.3M |
| 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 |
Related SBA lenders
Other lenders active in New Mexico or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Western Commerce Bank: frequently asked questions
Does Western Commerce Bank offer SBA loans?
Yes. Western Commerce Bank appears in the public SBA data with 589 funded SBA 7(a) loans totaling $320.3M.
How many SBA loans has Western Commerce Bank made?
Western Commerce Bank is associated with 589 SBA 7(a) loans totaling $320.3M in the public SBA data (as of 2026-03-31).
What is Western Commerce Bank's SBA charge-off rate?
About 1.0% of Western Commerce Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Western Commerce Bank do most of its SBA lending?
Western Commerce Bank's SBA lending in the data is most concentrated in New Mexico, and by industry in Accommodation and Food Services.
Is Western Commerce Bank an SBA Preferred Lender (PLP)?
The loan record shows Western Commerce Bank operating under PLP delegated authority: 386 of its 7(a) loans (65.5%) were processed through the Preferred Lenders Program, including 54 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Western Commerce Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/western-commerce-bank/
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