BlastPoint's Banking Scorecard
WestStar Bank
Designations: ✓ Community bank
El Paso, TX
14 branches across TX · NM
WestStar Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19.9% in tier
- + Delinquency Rate 0.88% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 12.95% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+0.8% YoY
+0.8% QoQ
|
+$359.3M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$2.4B
+5.2% YoY
+1.2% QoQ
|
+$425.3M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$2.7B
-1.7% YoY
+1.7% QoQ
|
+$403.9M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
2.20%
+27.2% YoY
+10.3% QoQ
|
+0.84% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 6.6% in tier |
| Net Interest Margin ? |
3.80%
+17.0% YoY
+7.8% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
48.11%
-6.7% YoY
-2.6% QoQ
|
-12.95% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.01%
-94.6% YoY
-13.6% QoQ
|
-0.88% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 3.0% in tier |
| Loan-to-Deposit Ratio ? |
87.00%
+7.0% YoY
-0.4% QoQ
|
+2.80% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
34.23%
+6.5% YoY
-0.8% QoQ
|
+12.94% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.4% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-96.0% YoY
-13.2% QoQ
|
-0.67% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 3.3% in tier |
| Tier 1 Capital Ratio ? |
13.31%
+3.2% YoY
+1.2% QoQ
|
-1.85% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.20%
+26.2% YoY
-76.0% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
70% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.