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Weststar Bank

El Paso, TX · Cert 32941 · Weststar Bank Holding Co. Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Weststar Bank

El Paso, TX · Cert 32941 · Weststar Bank Holding Co. Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BDeposits
$383.4MEquity
Loan mix
84%RE $1.9B16%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $1.9B35%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.76%Q2 ’244.84%Q2 ’254.91%Q2 ’26+12%+13%

Non-interest income vs. expense

1.95%Q2 ’241.98%Q2 ’252.07%Q2 ’26+13%+3%

Market Position · El Paso, TX · 2026 SOD (annual) · 24.3% share · #1 of 17 inst. · $2.8B of $11.5B

24.3% El Paso
2.0% Dona Ana

Executive Summary

  • Earnings: ROA of 1.80%, up 31 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.27%, up 81 bps from a year ago.
  • Funding: loans stand at 88.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+42 bps YoY

Efficiency Ratio (YTD, annualized)

46.87%-328 bps YoY

Tier 1 Leverage Ratio

12.27%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.54%1.57%1.73%1.80%+31 bps
Return on Equity14.63%14.72%14.69%14.74%15.33%+70 bps
Net Interest Margin3.21%3.28%3.35%3.59%3.63%+42 bps
Efficiency Ratio50.16%49.37%49.40%48.11%46.87%-328 bps
Non-Interest Burden1.22%1.22%1.23%1.31%1.25%+3 bps
Growth
Asset Growth (YoY)-2.00%1.09%-1.78%0.82%1.22%+322 bps
Loan Growth (YoY)1.30%-0.99%4.04%5.03%9.47%+818 bps
Deposit Growth (YoY)6.26%1.45%-5.75%-1.74%-1.13%-739 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.01%0.01%0.01%0.00%-9 bps
Net Charge-Offs / Loans0.24%0.27%0.19%0.00%-0.01%-25 bps
Allowance / Loans1.06%1.03%1.02%1.02%1.00%-6 bps
Allowance Coverage of NPLs11.4x83.4x131.9x152.8x460.2x+448.8x
Capital
Tier 1 Leverage Ratio11.46%11.75%11.93%12.19%12.27%+81 bps
Total Risk-Based Capital14.21%14.75%14.09%14.25%14.07%-14 bps
Equity / Assets10.45%11.50%11.70%11.78%11.69%+124 bps
Liquidity & Funding
Loans / Deposits79.98%82.12%88.26%87.90%88.56%+858 bps
Liquid Assets / Assets5.80%4.18%1.37%1.25%1.32%-448 bps
CRE / Total Capitaln/a441%464%465%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Weststar Bank

El Paso, TX · Cert 32941 · Peer group: banks $1B-$10B in assets (n=322-328) · Weststar Bank Holding Co. Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BDeposits
$383.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 11 of 322).
  • Widest gap: total risk-based capital ratio trails 51% of banks $1B-$10B in assets (rank 168 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.75%

Rank 47 of 328

Net Interest Margin

3.63%

Rank 120 of 328

Efficiency Ratio

47.01%

Rank 45 of 328

Equity / Assets

11.69%

Rank 94 of 328

Non-interest income vs. expense

$26.7M$67.4MINCOMEEXPENSE
Unfavorable gap of $40.7M · efficiency ratio beats 87% of banks $1B-$10B in assets
Bank 47.01%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.91%1.22%1.52%Beats 86%47 / 328
Return on Equity15.01%8.43%11.45%14.43%Beats 81%62 / 328
Net Interest Margin3.63%3.03%3.45%3.83%Beats 63%120 / 328
Efficiency Ratio47.01%51.61%59.56%67.53%Beats 87%45 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 97%11 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 91%30 / 322
Capital
Tier 1 Capital Ratio13.13%11.75%13.15%15.47%Beats 49%166 / 328
Total Risk-Based Capital Ratio14.07%12.63%14.15%16.46%Beats 49%168 / 328
Equity / Assets11.69%9.15%10.33%12.01%Beats 71%94 / 328
Liquidity & Funding
Loans / Deposits88.56%76.63%87.92%95.36%52nd pctl156 / 323
Loans / Assets76.92%65.18%74.15%79.98%63rd pctl121 / 328
Brokered Deposits / Depositsn/aNot reported for this institution