WestStar Bank
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Data as of · sourced from FFIEC call reports. How we update
WestStar Bank is an FDIC-insured commercial bank headquartered in El Paso, TX, established in 1990 (FDIC certificate 32941), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.28B, up 1.2% from Q2 2025, the 30th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 32941
- Headquarters
- El Paso, TX
- Established
- 1990
- Total assets, Q2 2026
- $3.28B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 13.13%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 112017619
- Holding company
- WESTSTAR BANK HOLDING COMPANY, INC.
- Asset rank in state
- 30th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, WestStar Bank is the 30th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.3% to $3.28B, loans rose 4.5% and deposits rose 3.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.0% of total loans, followed by commercial and industrial loans at 17.1%. The FDIC Summary of Deposits lists 14 offices for it, in 5 cities across 2 states; its El Paso 10 offices book 89% of its branch deposits. Judged on its Q2 2026 call report, WestStar Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 14 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, WestStar Bank's total assets ran between $2.98B (Q3 2023) and $3.31B (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.28B total assets against $3.24B; $2.90B total liabilities against $2.90B.
$2.50B net loans and leases against $2.28B; $2.85B total deposits against $2.88B.
$577.3M securities against $620.4M; $42.6M cash and balances due against $179.6M.
$40.9M total interest income against $39.4M; $10.8M total interest expense against $12.9M.
$30.1M net interest income against $26.5M.
$7.2M total noninterest income against $7.3M; $17.1M total noninterest expense against $16.6M.
$925K provision for credit losses against $750K.
$19.2M net income against $16.4M.
2.36% return on assets against 2.06%; 3.89% net interest margin against 3.48%.
13.13% CET1 capital ratio against 13.22%; 12.27% tier 1 leverage ratio against 11.46%.
Inside the full WestStar Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 33 of 980, for uninsured deposits; its furthest is 3,326 of 3,640, for Texas Ratio.
Metric pages for WestStar Bank: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.54% (Q3 2024) to 2.36% (Q2 2026) and its net interest margin ran from 3.05% (Q3 2024) to 3.89% (Q2 2026).
| 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
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 50 of 441 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is WestStar Bank headquartered?
It is headquartered in El Paso, TX, United States.
When was WestStar Bank founded?
It was established in 1990, per the FDIC institution directory.
Is WestStar Bank FDIC-insured?
Yes. It 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.
What is WestStar Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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