WestStar Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 0.91 percentage points lower than in Q1 2026, at 17.60%. Among 345 Texas banks, WestStar Bank sits 33rd from the top on return on assets, 2.36% as of Q2 2026. WestStar Bank's return on assets of 2.36% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.09 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 14.07% |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 11.69% |
| Tangible equity to tangible assets | 10.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.36% |
| Return on equity | 20.32% |
| Net interest margin | 3.89% |
| Efficiency ratio | 45.64% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.56% |
| Core deposits to total deposits | 91.82% |
| Brokered deposits to total deposits | 0.70% |
| Deposits to assets | 86.86% |
| Securities to assets | 17.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.55% | 11.55% | 12.47% | 10.55% | 1.69% |
| Q4 2023 | 11.65% | 11.65% | 12.60% | 10.56% | 1.24% |
| Q1 2024 | 11.92% | 11.92% | 12.90% | 10.52% | 1.63% |
| Q2 2024 | 12.18% | 12.18% | 13.19% | 10.45% | 1.69% |
| Q3 2024 | 12.30% | 12.30% | 13.39% | 10.65% | 1.54% |
| Q4 2024 | 12.64% | 12.64% | 13.70% | 11.10% | 2.00% |
| Q1 2025 | 12.90% | 12.90% | 13.96% | 11.22% | 1.73% |
| Q2 2025 | 13.22% | 13.22% | 14.21% | 11.46% | 2.06% |
| Q3 2025 | 13.78% | 13.78% | 14.75% | 11.75% | 2.08% |
| Q4 2025 | 13.15% | 13.15% | 14.09% | 11.93% | 2.08% |
| Q1 2026 | 13.31% | 13.31% | 14.25% | 12.19% | 2.18% |
| Q2 2026 | 13.13% | 13.13% | 14.07% | 12.27% | 2.36% |
WestStar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WestStar Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full WestStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32941) · FFIEC NIC profile (RSSD 1447639)