# Western Commerce Bank SBA loans **Short answer:** Western Commerce Bank made 81 SBA loans from October 2023 to June 2026. 87.7% of them went to businesses in New Mexico, per SBA's loan file. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/western-commerce-bank/ Data as of: 2026-06-30 This site is not Western Commerce Bank sbaexpress.loans is not Western Commerce Bank, and Western Commerce Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. The loan figures here come from SBA's public 7(a) loan file, not from Western Commerce Bank. ## Loan sizes $99,000: 25th percentile $235,000: Median loan $500,000: 75th percentile 10 years: Median term The median loan Western Commerce Bank approved from October 2023 to June 2026 was $235,000. A quarter of its loans were smaller than $99,000 and a quarter were larger than $500,000. For all lenders the median was $150,300. Its median loan is larger than the all-lender median. The average loan was $550,294. Share of loans by size, October 2023 to June 2026 - $50,000 or less: 12.3% - $50,001 to $150,000: 27.2% - $150,001 to $350,000: 21.0% - $350,001 to $500,000: 14.8% - $500,001 to $1,000,000: 9.9% - $1,000,001 to $2,000,000: 9.9% - Over $2,000,000: Fewer than 5 Shares are of all 81 loans. Fewer than 5 marks a band whose count we do not publish. ## Age of the businesses it lends to The largest group was businesses in operation more than 2 years, at 39.5% of this lender's loans, against 57.5% for all lenders. Share of loans by age of the business, October 2023 to June 2026 - In business more than 2 years: 39.5% - In business 2 years or less: 25.9% - Startup (the loan opens the business): 34.6% - Change of ownership: 0.0% Fewer than 5 marks a group whose count we do not publish. ## SBA Express and lines of credit 32.1% of this lender's loans went through SBA Express, below the 35.8% for all lenders. 23.5% were lines of credit, below the 28.1% for all lenders. **SBA Express and line-of-credit share, October 2023 to June 2026** | Share of loans | Western Commerce Bank | All lenders | | --- | --- | --- | | Through SBA Express | 32.1% | 35.8% | | Lines of credit | 23.5% | 28.1% | A line of credit lets a business draw money, repay it and draw again. SBA's file flags these loans as revolving. What SBA Express means An SBA Express loan can be up to $500,000. On these loans, the lender makes the credit decision without prior SBA review. Source: SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126); SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127). ## Where it lends The most loans went to businesses in New Mexico: 71 of 81, or 87.7%. It made 5 or more loans in each of 2 states. State is where the business is, not where the lender is based. **Top states, October 2023 to June 2026** | State | Loans | Share of its loans | | --- | --- | --- | | New Mexico | 71 | 87.7% | | Texas | 8 | 9.9% | ## What it lends to Support Activities for Oil and Gas Operations had the most loans: 12 of 81. The table lists industries with 5 or more loans, at most five. **Top industries, October 2023 to June 2026** | Industry | Loans | Share of its loans | | --- | --- | --- | | [Support Activities for Oil and Gas Operations](https://www.sbaexpress.loans/industries/support-activities-for-oil-gas-operations/) | 12 | 14.8% | | [Hotels (except Casino Hotels) and Motels](https://www.sbaexpress.loans/industries/hotels-motels/) | 8 | 9.9% | Industry is the NAICS code recorded on each loan. ## About the lender - **Type:** Bank - **Location:** Carlsbad, NM (headquarters, per FDIC) - **FDIC certificate number:** 18389 - **Official website:** [www.wcb.net](https://www.wcb.net) (as FDIC has it on file; we do not control it) This page describes loans SBA approved. It does not show denied applications, today's rates, fees or credit standards. It is not an offer from Western Commerce Bank. To ask Western Commerce Bank about a loan, contact it directly. ## Starting rates and spread over Prime The median starting rate on this lender's loans approved from October 2023 to June 2026 was 9.00%. The median spread was 1.12 percentage points over Prime. For all lenders the medians were 10.25% and 2.75 percentage points over Prime. Both its median starting rate and its median spread were lower than the all-lender medians. The starting rate follows Prime on the day a loan was approved. The spread over Prime is the steadier way to compare lenders and years. Spread is measured on variable-rate loans only. SBA's ceiling on variable rates For variable-rate loans, SBA caps the rate at Prime plus 3.0 to 6.5 percentage points, depending on loan size. Today's ceilings by loan size are on the [rates page](https://www.sbaexpress.loans/rates/). Source: 13 CFR § 120.214(d). ## Loans by year From FY2024 to FY2025, the number of loans fell 3% (31 to 30). Across all lenders it rose 2.4%. SBA loans approved by fiscal year - FY2020: 27 - FY2021: 42 - FY2022: 42 - FY2023: 44 - FY2024: 31 - FY2025: 30 - FY2026 (through June 30): 20 SBA's fiscal year runs October 1 to September 30. FY2026 covers October 1, 2025 to June 30, 2026 only. Fewer than 5 marks a year whose count we do not publish. ## Charge-offs 0.0%: Charged off, by loans 0.0%: Charged off, by dollars 111: Loans approved FY2020 to FY2022 Western Commerce Bank approved 111 loans from October 2019 to September 2022. By June 30, 2026, none had been charged off. By loans that is lower than the 3.6% for all lenders. By dollars the rate was 0.0%, against 0.9% for all lenders. How charge-offs are counted We count only loans approved October 1, 2019 to September 30, 2022 (FY2020 to FY2022). Newer loans have not had time to go bad. A charge-off means the lender wrote the loan off as a loss. The rate by loans is charged-off loans divided by approved loans. The rate by dollars is the charged-off balance divided by approved dollars. Both run through June 30, 2026. The two rates can differ widely for a lender that writes many small loans. A small loan adds one to the count but little to the dollars. SBA's file covers approved loans only. This says nothing about how often applications are approved. ## Lenders with a similar number of loans These five lenders are the nearest to Western Commerce Bank by number of SBA loans. Their pages show the same figures, so you can compare loan sizes and loan types. It ranks 209th of 807 lenders by loans approved from October 2023 to June 2026. **Lenders closest to Western Commerce Bank by loans, October 2023 to June 2026** | Lender | Loans | Median loan | Express | Lines of credit | Charge-offs | | --- | --- | --- | --- | --- | --- | | [Bank of Clarke](https://www.sbaexpress.loans/sba-express-lenders/bank-of-clarke/) | 82 | $636,200 | 18.3% | 19.5% | 0.0% | | [Choice Financial Group](https://www.sbaexpress.loans/sba-express-lenders/choice-financial-group/) | 82 | $250,000 | 31.7% | 31.7% | 0.0% | | [Quaint Oak Bank](https://www.sbaexpress.loans/sba-express-lenders/quaint-oak-bank/) | 81 | $500,000 | 21.0% | 19.8% | Fewer than 5 | | **Western Commerce Bank** | 81 | $235,000 | 32.1% | 23.5% | 0.0% | | [Alerus Financial](https://www.sbaexpress.loans/sba-express-lenders/alerus-financial/) | 80 | $576,850 | 12.5% | 17.5% | Fewer than 5 | | [RiverBank](https://www.sbaexpress.loans/sba-express-lenders/riverbank/) | 80 | $222,500 | 33.8% | 32.5% | n/a | Express and lines of credit are shares of loans. Charge-offs are the share of loans approved October 2019 to September 2022 that had been charged off by June 30, 2026. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. ## SBA Express badges This lender ranks in the top 10 for SBA Express loans in 1 state, by loans approved from FY2024 through June 30, 2026. The rank comes only from SBA's public loan file. Badges are free. They are never for sale, and no lender can pay to earn or keep one. Lenders can copy the code below onto their own site. [Read the badge rules](https://www.sbaexpress.loans/badges/). ### New Mexico: No. 3 with 26 SBA Express loans ![Western Commerce Bank is the No. 3 SBA Express lender in New Mexico by loans approved, FY2024 through June 30, 2026, ranked from SBA's loan file by sbaexpress.loans.](https://www.sbaexpress.loans/badges/western-commerce-bank-new-mexico.svg) Embed code: ``` Western Commerce Bank is the No. 3 SBA Express lender in New Mexico by loans approved, FY2024 through June 30, 2026, ranked from SBA's loan file by sbaexpress.loans. ``` How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Recent loans were approved October 1, 2023 to June 30, 2026. The full file starts October 1, 2019. SBA's fiscal year runs October 1 to September 30. Express counts SBA Express and Export Express loans. Spread over Prime is measured on variable-rate loans. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia) - [13 CFR § 120.214(d)](https://www.ecfr.gov/current/title-13/section-120.214) - [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx) - [SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx) - [FDIC BankFind: institution directory (headquarters and website)](https://banks.data.fdic.gov/bankfind-suite/bankfind)