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
Unfavorable gap of $40.7M · efficiency ratio beats 87% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.91% | 1.22% | 1.52% | Beats 86% | 47 / 328 | | |
| Return on Equity | 15.01% | 8.43% | 11.45% | 14.43% | Beats 81% | 62 / 328 | | |
| Net Interest Margin | 3.63% | 3.03% | 3.45% | 3.83% | Beats 63% | 120 / 328 | | |
| Efficiency Ratio | 47.01% | 51.61% | 59.56% | 67.53% | Beats 87% | 45 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 97% | 11 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 91% | 30 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 11.75% | 13.15% | 15.47% | Beats 49% | 166 / 328 | | |
| Total Risk-Based Capital Ratio | 14.07% | 12.63% | 14.15% | 16.46% | Beats 49% | 168 / 328 | | |
| Equity / Assets | 11.69% | 9.15% | 10.33% | 12.01% | Beats 71% | 94 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.56% | 76.63% | 87.92% | 95.36% | 52nd pctl | 156 / 323 | | |
| Loans / Assets | 76.92% | 65.18% | 74.15% | 79.98% | 63rd pctl | 121 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |