WestStar Bank: Financial Reports & UBPR Data
BankRegReports is independent of WestStar Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
WestStar Bank is one of the more profitable banks of its size. Its balance sheet stood at $3.3 billion at June 30, 2026, up 1.2% from a year earlier; it is based in El Paso, Texas. It earns about $2.36 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds about two-thirds of its deposits (61%) above the FDIC insurance limit, about double the median of 30.9% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Net income for the quarter rose 17% from a year earlier, to $19 million. Over the same year, loans grew 9.5% and deposits shrank 1.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, WestStar Bank reported a CET1 capital ratio of 13.13%, a return on assets of 2.36%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 601 N Mesa St Ste 1100, El Paso, TX 79901
- County
- El Paso
- Metro Area
- El Paso, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1990
- Offices
- 14 domestic
- Employees (FTE)
- 344
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $25.3M
- Net charge-offs (YTD)
- -$136K
- Average total assets
- $3.26B
- Average total loans
- $2.44B
- Average interest-bearing deposits
- $1.84B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1990
- FDIC Cert
- 32941
- Fed RSSD
- 1447639
- SEC CIK
- 1191703 → filed by WESTSTAR BANK HOLDING COMPANY, INC.
- Website
- WWW.WESTSTARBANK.COM →
- Parent Holding Company
- WESTSTAR BANK HOLDING COMPANY, INC. (RSSD 3122051)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full WestStar Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock WestStar Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
WestStar Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for WestStar Bank: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.13% | 2.36% | 0.00% | 0.01% | 3.89% |
| Q1 2026 | 13.31% | 2.18% | 0.01% | 0.05% | 3.72% |
| Q4 2025 | 13.15% | 2.08% | 0.01% | 0.05% | 3.63% |
| Q3 2025 | 13.78% | 2.08% | 0.01% | 0.08% | 3.57% |
| Q2 2025 | 13.22% | 2.06% | 0.09% | 1.03% | 3.48% |
| Q1 2025 | 12.90% | 1.73% | 0.12% | 1.29% | 3.21% |
| Q4 2024 | 12.64% | 2.00% | 0.19% | 1.46% | 3.17% |
| Q3 2024 | 12.30% | 1.54% | 0.83% | 6.23% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| WestStar Bank (main office) | El Paso , TX | 79901 | $1.55B |
| Westside Branch | El Paso , TX | 79912 | $327.3M |
| ViscountGolden Key Branch | El Paso , TX | 79925 | $152.1M |
| Redd Road Branch | El Paso , TX | 79912 | $131.2M |
| Fabens Branch | Fabens , TX | 79838 | $114.5M |
| Pebble Hills Branch | El Paso , TX | 79936 | $108.7M |
| Eastside Branch | El Paso , TX | 79907 | $107.3M |
| Horizon Branch | Horizon City , TX | 79928 | $71.4M |
| Las Cruces Branch | Las Cruces , NM | 88011 | $64.9M |
| Hondo Pass Branch | El Paso , TX | 79904 | $59.7M |
| Paisano Branch | El Paso , TX | 79925 | $54.7M |
| Clint Branch | Clint , TX | 79836 | $52.2M |
| Zaraloop Branch | El Paso , TX | 79907 | $39.4M |
| Eastlake Branch | El Paso , TX | 79928 | $18.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2016 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for WestStar Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 50 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 37 applications, 20 loans originated, $10.9M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $2.2M approved, $440K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows WestStar Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare WestStar Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about WestStar Bank
What are WestStar Bank's total assets?
As of the Q2 2026 filing, WestStar Bank reported total assets of $3.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is WestStar Bank headquartered?
WestStar Bank is headquartered in El Paso, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was WestStar Bank founded?
WestStar Bank was established in 1990, per the FDIC institution directory.
Is WestStar Bank FDIC-insured?
Yes. WestStar Bank is an FDIC-insured commercial bank (FDIC Certificate #32941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates WestStar Bank?
WestStar Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is WestStar Bank's CET1 capital ratio?
WestStar Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does WestStar Bank operate?
WestStar Bank operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is WestStar Bank's Texas Ratio?
WestStar Bank's Texas Ratio is 0.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on WestStar Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock WestStar Bank, freeFree account