🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2024. CRA examination history below reflects the period it was active.

WESTERN HERITAGE BANK

LAS CRUCES, NM · Supervised by FDIC

Est. 2000FDIC #35,492RSSD: FDIC-35492
Part ofNEW MEXICO FIRST FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.46%

Institution Profile

FDIC BankFind

Address

230 S Alameda Blvd, LAS CRUCES, NM

County

Dona Ana County

Established

October 2, 2000

Total Assets

$327M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2023Call Report / FDIC

Total Assets

$327M

Total Deposits

$281M

Net Loans

$250M

Net Income

$5M

ROA

1.46%

ROE

13.79%

Risk-Based Capital

15.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2002

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b99be690-16d6-484d-b8d8-f0493d49d4cd"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: