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WestStar Bank
El Paso, TX·FDIC Cert #32941·Charter: STATE·Est. 19900501.0·HC: WESTSTAR BANK HOLDING CO INC
Total Assets
$3.1B
Q4 2025
Return on Assets
2.00%
+0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.40%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.00%+0.03
ROE
18.61%-0.11
Efficiency
49.40%+0.03
Equity/Assets
0.00%+0.00
NPL Ratio
0.01%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.36%+6.09
Charge-offs
0.20%-0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.6 | 1.7 | 1.7 | 1.9 | 2.0 | 2.0 |
| ROE | 18.1 | 18.5 | 17.6 | 18.4 | 17.3 | 18.6 | 18.7 | 18.6 |
| Efficiency | 53.7 | 52.6 | 52.3 | 50.9 | 51.6 | 50.2 | 49.4 | 49.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.9 | 0.8 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.2 | 0.3 | 0.2 |
| Loan/Deposit | 88.6 | 83.0 | 83.1 | 79.0 | 81.3 | 79.1 | 81.3 | 87.4 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.7B
Total Loans$2.4B
Total Equity$368.3M
Profitability
ROA2.00%
ROE18.61%
Efficiency Ratio49.40%
Net Income$63.4M
Risk & Asset Quality
NPL Ratio0.01%
Charge-off Rate0.20%
Loan/Deposit87.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans