WestStar Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks WestStar Bank of El Paso, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.36% | 1.46% | +0.90% | 95th top |
| ROAE | 20.32% | 12.71% | +7.61% | 90th top |
| Net Interest Margin | 3.89% | 3.85% | +0.04% | 62nd above |
| Efficiency Ratio | 45.64% | 57.42% | -11.78% | 86th top |
| PPNR / Avg Assets | 2.48% | 1.88% | +0.60% | 87th top |
| Yield on Earning Assets | 5.29% | 5.72% | -0.43% | 34th below |
| Cost of Funds | 1.54% | 2.02% | -0.48% | 79th top |
| Net Interest Spread | 2.96% | 3.18% | -0.22% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 98th top |
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 98th top |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 95th top |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 31st below |
| Texas Ratio | 0.01% | 7.40% | -7.39% | 97th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.13% | 17.34% | -4.21% | 44th below |
| Tier 1 Ratio | 13.13% | 17.37% | -4.24% | 43rd below |
| Total Capital Ratio | 14.07% | 18.43% | -4.36% | 41st below |
| Leverage Ratio | 12.27% | 11.44% | +0.83% | 79th top |
| Equity / Assets | 11.69% | 11.33% | +0.36% | 72nd above |
| TCE / Tangible Assets | 10.56% | 10.50% | +0.06% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.56% | 86.95% | +1.61% | 49th below |
| Core Deposit Ratio | 91.82% | 85.55% | +6.27% | 67th above |
| Uninsured Deposit Ratio | 61.03% | 33.09% | +27.94% | 3rd bottom |
| Wholesale Funding Ratio | 0.84% | 5.71% | -4.87% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.22% | 9.69% | -8.47% | 23rd bottom |
| Loan Growth (Y/Y) | 9.47% | 8.05% | +1.42% | 72nd above |
| Deposit Growth (Y/Y) | -1.13% | 7.88% | -9.01% | 13th bottom |
See WestStar Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock WestStar Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full WestStar Bank profile, how to read a UBPR, or how this data updates.