WestStar Bank is a state-chartered bank (fed member) headquartered in El Paso, Texas, in business for about 36 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.8B in deposits, with 14 offices across 2 states.
WestStar Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 89th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (23/100, 88% loans-to-deposits, 61% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 74 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.45% |
| Q3 2024 | 10.65% |
| Q4 2024 | 11.10% |
| Q1 2025 | 11.22% |
| Q2 2025 | 11.46% |
| Q3 2025 | 11.75% |
| Q4 2025 | 11.93% |
| Q1 2026 | 12.19% |
| Q2 2026 | 12.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.67% |
| Q3 2024 | 1.64% |
| Q4 2024 | 1.73% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.96% |
| Q4 2025 | 2.00% |
| Q1 2026 | 2.20% |
| Q2 2026 | 2.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $3.3B | 12.27% | 0.00% | 2.29% | 87.7% |
| Q1 2026 | 80 | $3.2B | 12.19% | 0.01% | 2.20% | 87.0% |
| Q4 2025 | 79 | $3.1B | 11.93% | 0.01% | 2.00% | 87.4% |
| Q3 2025 | 80 | $3.1B | 11.75% | 0.01% | 1.96% | 81.3% |
| Q2 2025 | 78 | $3.2B | 11.46% | 0.09% | 1.89% | 79.1% |
| Q1 2025 | 75 | $3.1B | 11.22% | 0.12% | 1.73% | 81.3% |
| Q4 2024 | 74 | $3.2B | 11.10% | 0.19% | 1.73% | 79.0% |
| Q3 2024 | 66 | $3.1B | 10.65% | 0.83% | 1.64% | 83.1% |
| Q2 2024 | 65 | $3.3B | 10.45% | 0.86% | 1.67% | 83.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lone Star National BankBank Pharr, TX | 72 out of 100, Strong | $3.3B | 12.9% | 1.06% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Monet BankBank Plano, TX | 65 out of 100, Moderate | $3.2B | 31.7% | 25.76% | vs |
| Susser BankBank Dallas, TX | 65 out of 100, Moderate | $3.0B | 10.1% | 0.42% | vs |
| TIB National AssociationBank Farmers Branch, TX | 76 out of 100, Strong | $3.0B | 13.2% | 0.84% | vs |
| Texas Regional BankBank Harlingen, TX | 53 out of 100, Below average | $2.9B | 8.8% | 0.59% | vs |
Deposit insurance
Is my money safe at WestStar Bank?
Yes. WestStar Bank is an FDIC-insured institution (FDIC certificate #32941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 61.0% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.07% (benchmark: 10%).
14 locations
Branches
WestStar Bank lists 14 offices in 5 cities across 2 states. Most locations:
- El Paso, TX (10)
- Clint, TX (1)
- Fabens, TX (1)
- Horizon City, TX (1)
- Las Cruces, NM (1)
Identity & history
Profile
- Legal name
- WestStar Bank
- Former names
- Bank of the West
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 32941
- RSSD ID
- 1447639
- Primary regulator
- FED
- Holding company
- Weststar Bank Holding Co Inc
- Established
- May 1, 1990
- Headquarters
- 601 N Mesa St Ste 1100, El Paso, TX 79901
- Website
- www.weststarbank.com
- Employees
- 344
Quick answers
WestStar Bank: common questions
Is WestStar Bank FDIC insured?
Yes. WestStar Bank is an FDIC-insured institution (FDIC certificate #32941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is WestStar Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has WestStar Bank ever failed?
There is no failure record for FDIC certificate #32941 in the FDIC failed bank list.
How many branches does WestStar Bank have?
14 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near El Paso
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| Mountain Star Federal Credit UnionCredit union El Paso, TX | 83 out of 100, Strong | $46.5M | 18.4% | 0.70% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |