El Paso, TX · Cert 32941 · Weststar Bank Holding Co. Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · El Paso, TX · 2026 SOD (annual) · 24.3% share · #1 of 17 inst. · $2.8B of $11.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.37% | 1.36% | 1.48% | 1.54% | 1.57% | 1.73% | 1.80% | +31 bps | |
| Return on Equity | 13.86% | 14.52% | 13.64% | 14.63% | 14.72% | 14.69% | 14.74% | 15.33% | +70 bps | |
| Net Interest Margin | 2.89% | 2.96% | 3.08% | 3.21% | 3.28% | 3.35% | 3.59% | 3.63% | +42 bps | |
| Efficiency Ratio | 52.27% | 50.87% | 51.58% | 50.16% | 49.37% | 49.40% | 48.11% | 46.87% | -328 bps | |
| Non-Interest Burden | 1.07% | 0.99% | 1.28% | 1.22% | 1.22% | 1.23% | 1.31% | 1.25% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 5.01% | 1.73% | -2.00% | 1.09% | -1.78% | 0.82% | 1.22% | +322 bps | |
| Loan Growth (YoY) | 7.14% | 2.74% | 2.43% | 1.30% | -0.99% | 4.04% | 5.03% | 9.47% | +818 bps | |
| Deposit Growth (YoY) | 15.98% | 17.89% | 11.50% | 6.26% | 1.45% | -5.75% | -1.74% | -1.13% | -739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.83% | 0.19% | 0.12% | 0.09% | 0.01% | 0.01% | 0.01% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.14% | 0.04% | 0.24% | 0.27% | 0.19% | 0.00% | -0.01% | -25 bps | |
| Allowance / Loans | 1.19% | 1.14% | 1.14% | 1.06% | 1.03% | 1.02% | 1.02% | 1.00% | -6 bps | |
| Allowance Coverage of NPLs | 1.4x | 6.1x | 9.2x | 11.4x | 83.4x | 131.9x | 152.8x | 460.2x | +448.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 11.10% | 11.22% | 11.46% | 11.75% | 11.93% | 12.19% | 12.27% | +81 bps | |
| Total Risk-Based Capital | 13.39% | 13.70% | 13.96% | 14.21% | 14.75% | 14.09% | 14.25% | 14.07% | -14 bps | |
| Equity / Assets | 10.26% | 9.62% | 10.37% | 10.45% | 11.50% | 11.70% | 11.78% | 11.69% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.14% | 79.95% | 82.23% | 79.98% | 82.12% | 88.26% | 87.90% | 88.56% | +858 bps | |
| Liquid Assets / Assets | 2.55% | 6.50% | 3.48% | 5.80% | 4.18% | 1.37% | 1.25% | 1.32% | -448 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 441% | 464% | 465% | n/a | n/a | |