WestStar Bank
Total assets
$3.28B
▲ +1.2% YoY
Deposits
$2.85B
▼ -1.1% YoY
Loans
$2.50B
▲ +9.5% YoY
Offices
14
WESTSTAR BANK HOLDING CO INC
ROA (annualized)
2.29%
peers 1.26%
ROE (annualized)
19.53%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | WestStar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +9.5% | +5.9% | +3.6 pts |
| ROA | 2.29% | 1.26% | +1.0 pts |
| ROE | 19.5% | 12.2% | +7.4 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1990
- Charter
- State
- Primary regulator
- FED
- Holding company
- WESTSTAR BANK HOLDING CO INC
- Specialization
- Commercial Lending Specialization
- Address
- 601 N Mesa St Ste 1100, El Paso, TX, 79901
- County
- El Paso
- Metro area
- El Paso, TX
- Offices
- 14
- FDIC cert #
- 32941
- RSSD ID
- 1447639
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.28B | $2.85B | $2.50B | $383.4M | $36.6M | 2.29% | 3.87% | 0.00% |
| Q1 2026 | $3.17B | $2.75B | $2.39B | $374.1M | $17.4M | 2.20% | 3.80% | 0.01% |
| Q4 2025 | $3.15B | $2.70B | $2.36B | $368.3M | $63.4M | 2.00% | 3.52% | 0.01% |
| Q3 2025 | $3.13B | $2.75B | $2.24B | $360.5M | $46.8M | 1.96% | 3.46% | 0.01% |
| Q2 2025 | $3.24B | $2.88B | $2.28B | $338.7M | $30.2M | 1.89% | 3.37% | 0.10% |
| Q1 2025 | $3.15B | $2.80B | $2.27B | $326.7M | $13.8M | 1.73% | 3.24% | 0.13% |
| Q4 2024 | $3.21B | $2.87B | $2.27B | $308.5M | $54.5M | 1.73% | 3.11% | 0.13% |
| Q3 2024 | $3.10B | $2.71B | $2.26B | $318.2M | $38.7M | 1.64% | 3.09% | 0.61% |
Loan mix (Q2 2026): real estate $1.94B · commercial $430.9M · consumer $1.0M · securities $577.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | WestStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 59.0% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | WestStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | WestStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | WestStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | WestStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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