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WestStar Bank

$1B-$10B Specialty: Commercial TX FDIC cert 32941

Designations: ✓ Community bank

El Paso, TX

14 branches across TX · NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits -1.1% year over year ($2.8B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.29%.
  • Efficiency ratio 46.87% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.67% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

WestStar Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 18.5% in tier
  • + Delinquency Rate 0.86% below tier average
  • + Non-Interest-Bearing Deposit Share 13.24% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 12.85% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when WestStar Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $3.3B
+1.2% YoY +3.3% QoQ
+$486.6M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $2.5B
+9.5% YoY +4.5% QoQ
+$534.4M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $2.8B
-1.1% YoY +3.7% QoQ
+$530.1M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 2.29%
+21.2% YoY +4.0% QoQ
+0.90% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.5% in tier
Net Interest Margin ? 3.87%
+15.0% YoY +2.0% QoQ
+0.00% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 46.87%
-6.5% YoY -2.6% QoQ
-12.85% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00%
-97.7% YoY -67.3% QoQ
-0.86% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 3.1% in tier
Loan-to-Deposit Ratio ? 87.67%
+10.8% YoY +0.8% QoQ
+2.63% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 34.51%
+5.1% YoY +0.8% QoQ
+13.24% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.0% in tier
Nonperforming Asset Ratio ? 0.00%
-98.4% YoY -66.9% QoQ
-0.67% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 2.9% in tier
Tier 1 Capital Ratio ? 13.13%
-0.7% YoY -1.3% QoQ
-1.72% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.41%
+8.5% YoY +108.8% QoQ
-0.12% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 34.5%
+1.7pp YoY
+0.3pp QoQ
 +13.1pp 21.4% 29.2% 22.2% 91%
Brokered Deposits 0.7%
-3.9pp YoY
+0.7pp QoQ
 -8.8pp 9.5% 8.0% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 17.3%
+0.5pp YoY
+1.6pp QoQ
 +3.3pp 14.0% 14.8% 12.5% 74%
CRE 73.2%
+0.3pp YoY
-1.4pp QoQ
 +23.2pp 50.0% 48.4% 41.4% 91%
1-4 Family 2.4%
-0.1pp YoY
-0.2pp QoQ
 -24.0pp 26.4% 25.8% 31.3% 4%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 4.7% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.1%
-0.1pp YoY
-0.2pp QoQ
 -2.5pp 15.6% 22.7% 19.7% 43%
Leverage Ratio 12.3%
+0.8pp YoY
+0.1pp QoQ
 +1.0pp 11.3% 12.6% 12.6% 79%
Total Capital Ratio 14.1%
-0.1pp YoY
-0.2pp QoQ
 -2.6pp 16.7% 23.8% 20.8% 40%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 344
+2 (+0.6%) YoY
-2 (-0.6%) QoQ
 +30 313 186 482 72%
Assets per Employee ($) $9.5M
+0.6% YoY
+3.9% QoQ
 -$947K $10.5M $10.1M $8.8M 61%
Branch Count 14
0 YoY
0 QoQ
 -6 20 12 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.2pp 0.2% 0.3% 0.4% 16%
Nonaccrual n/a n/a 0.8% 1.0% 1.0% n/a
Allowance Coverage 460.22x
+3923.0% YoY
+201.1% QoQ
 +441.51x 18.71x 18.82x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 19.5%
+0.9pp YoY
+0.8pp QoQ
 +6.9pp 12.6% 13.2% 11.6% 89%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.6% 1.7% 19%
Net Income ($, YTD) $36.6M
+21.4% YoY
— QoQ
 +$17.4M $19.2M $15.9M $40.4M 86%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#42 of 222 • Top 18.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.29%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

27
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#27 of 885 Top 2.9% in $1B-$10B
28
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#28 of 882 Top 3.1% in $1B-$10B
50
Return on Assets
profitability
Value: 2.29%
Peer Median: 1.39%
#50 of 885 Top 5.5% in $1B-$10B
81
Non-Interest-Bearing Deposit Share
funding
Value: 34.51%
Peer Median: 21.27%
#81 of 885 Top 9.0% in $1B-$10B
139
Efficiency Ratio
profitability
Value: 46.87%
Peer Median: 59.73%
#139 of 885 Top 15.6% in $1B-$10B
206
Total Loans
size
Value: $2.50B
Peer Median: $1.96B
#206 of 885 Top 23.2% in $1B-$10B
220
Total Deposits
size
Value: $2.85B
Peer Median: $2.32B
#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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